Consumer complaint received 2019-05-28
Company: MIDWEST EQUITY MORTGAGE, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was working on purchasing a home and Midwest Equity Mortgage , LLC was the bank and XXXX ( XXXX ) XXXX was the representative with the Lender. This is the first time I've ever purchased a home ; so, I trusted XXXX throughout the entire process. He told me my home insurance and property tax were going to be escrowed at closing. After closing, I received a bill from the insurance company, which wasn't the insurance company I told XXXX I was going to be using. After a week of tracking down who the insurance was with since it was not who I told them I would be using, they told me I owed the insurance premium because it was not escrowed. My mortgage insurance and property taxes were supposed to be paid up front as well. Having a mortgage that requires private mortgage insurance should have escrowed my insurance and taxes and not blind-sided me with a bill one month after closing. They did not allow me to choose my own home insurance company and then when I called XXXX XXXX, he gave me the run around. He never told me the insurance company at closing and tried to pull a fast one on me by not going with the insurance company I told them I was with and wanted to go with for my home insurance. 

XX/XX/XXXX was the first day of contacting Midwest. XX/XX/XXXX was the day of pre approval. XX/XX/XXXX was the day that XXXX XXXX approved the loan of {$80.00}. XX/XX/XXXX I put a contract on XXXX XXXX XXXX XXXX XXXX , MO XXXX. XX/XX/XXXX paid for inspection on XXXX XXXX XXXXXX/XX/XXXX appraisal was waived.XX/XX/XXXX signed lien holder document. XX/XX/XXXX was told closing was put off until further notice because of the government shut down. XX/XX/XXXX was sent over contract adjustment. XX/XX/XXXX signed an adjustment amendment. XX/XX/XXXX made payment for earnest money.XX/XX/XXXX signed a document removing the contingency upon results of the municipality inspection.XX/XX/XXXX got the short sale approval. XX/XX/XXXX XXXX XXXX called XXXX XXXX to inform him that he was about {$1400.00} short for closing and that they ( Midwest Equity Mortgage ) was going to, " do some adjusting so that it can get approved ''. There was no mention of name of the Insurance company or the amount of the policy and I told them I was working with XXXX XXXX. XX/XX/XXXX was the closing date. There was no mention of insurance payment when XXXX looked at the paperwork there was an escrow amount and insurance total amount a month was {$670.00}. {$420.00} principal and interest. {$130.00} estimated Taxes. {$61.00} Hazard insurance. {$53.00} Mortgage Insurance. 

XXXX XXXX contacted XXXX XXXX to get the information about the homeowners insurance. The call dropped after 1m 35s. XXXX XXXX did not call him back. XX/XX/XXXX XXXX contacted XXXX XXXX about the homeowners insurance. XXXX spoke to XXXX XXXX and he said to hold while he gets in contact with the insurance company ; XXXX hung up on me after 51s. XXXX. XXXX called XXXX XXXX ( 3 ) times at XXXX XXXX hung up on me after 43s. at XXXX XXXX hung up on me after 26s. 
At XXXX this time XXXX was very upset and explained to XXXX XXXX over the phone that he has been trying to figure out what is going on with the homeowners insurance. After 1m 24s XXXX XXXX said that he would text XXXX the phone number. The number was XXXX there was no name with that text. After contacting the number XXXX left a voicemail. Someone from a different number called XXXX back and left a voicemail. XXXX XXXX from XXXX XXXX XXXX called XXXX and he had no idea who or what XXXX 's insurance policy was and needed to call him back. XXXX immediately called XXXX XXXX to try to get some help on his insurance because he did not want to continue the run around with Midwest Equity Mortgage. I ( XXXX XXXX ) feel like I have been lied to and manipulated with this loan closing. I have lost the trust in Midwest Equity Mortgage. I feel that they rushed my loan through ( and XXXX said on XX/XX/19 on a call with me at XXXX XXXX that he '' rushed closing due to short sale so did not have time to verify my bank accounts ''. ) ; so, they can get paid and I have to just deal with the results. This is unethical and everything should have been disclosed properly at closing. I was never given a dec. page or binder for the insurance he selected for me and he told you it would be escrowed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation