Consumer complaint received 2019-09-28
Company: AMERIFIRST FINANCIAL, INC.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2019 I obtained an FHA loan and purchased My property, with the loan agency Amerifirst Financial Inc, with the loan agent XXXX XXXX and realtor XXXX XXXX ( XXXX  XXXX XXXX XXXX XXXX XXXX ). This transaction was released at XXXX XXXX XXXX XXXX with XXXX XXXX as the representative. The issue An FHA loan was approved with fraudulent inspection done to the home that clarified that the roofing was in good condition. In reality the roof is not in good conditions to be approved by the FHA because of this reason the home insurance has been declined even when we paid the first year in advance. It is unknown to my knowledge how an FHA loan was approved when the roofing is not in good conditions to be accepted by any insurance. At the moment my property is uninsured with no coverage at all because the roof does not qualify to be insured. I have asked for help to all three parties that were involved and that were mentioned above. None of them has given me solution yet. I believe that I am a victim of mortgage fraud in the way my loan was approved by the FHA. I would be greatly appreciate if you could help me with this issue that these companies are making me go through. 
Also Send a Complaint to OFFICE OF THE ARIZONA ATTORNEY GENERAL CIVIL LITIGATION DIVISION CONSUMER PROTECTION & ADVOCACY SECTION This office sent information of our complaint to the lender and the lender. I answer that everything was done under the normal norms and that they could not help me. 
This Office Tells Me That If The Problem Is Not Resolved That Again Submit A Claim, BUT THE LENDER SAYS THAT THE PROCESS IS NORMAL. 
MY QUESTION IS : IS IT NORMAL THAT AN FHA LOAN BE ACCEPTED WITH PROBLEM ON THE PROPPERTY? 

Also Send a Complaint to FHA Resource Center After quite a few days and many phone calls they tell me that if the lender made any mistakes in our qualification or submitted false inspections in the home inspection, the only thing that will happen is that they will be given a call to pay attention to the lender ... ..?????????? 
Lender XXXX XXXX and the XXXX XXXX XXXX told me Lies, They said that the property insurance was canceled because there were 300 USD left to pay the insurance, they wanted to charge me more money, we paid a year in advance for the insurance in the closing costs at the title agency, Then the Title Agency CALLED THESE TWO PEOPLE TELLING THEM WHY THEY CHARGED ME IF WE HAD PAID THE INSURANCE, THEN THESE PEOPLE SAY THAT THE DIFFERENCE WILL BE PAID BY XXXX XXXX. 
The truth was that the insurance was canceled for not passing the inspection carried out by the insurance company. 
They are Non-Honest People, UNTIL THE TIME THEY HAVE NOT CALLED ME TO SOLVE MY PROBLEM BUT WE FOLLOW THE PROBLEM My house was purchased in XX/XX/2019, insurance was paid for one year, and the insurance was canceled in XX/XX/2019, until today our property has no insurance, no company accepts me to cover the roof for not being in acceptable conditions. 
QUESTION AGAIN ; HOW DOES AN FHA LOAN BE ACCEPTED IF NO ROOF INSPECTION DOES? 
IS AN INSPECTION DELIVERED WITH FRAUD? 
I NEED YOUR HELP PLEASE!!

Company response to consumer: Closed with explanation