Consumer complaint received 2017-08-11
Company: Blitz Ventures, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX I found a company [ National Home Finance } that advertise themselves as specialize in veteran mortgage loans. I contacted the company and spoke with the companies XXXX XXXX XXXX who identified herself as XXXX XXXX. I asked her about the process of getting pre approved for VA Mortgage Loan and explaining that I had tax liens on my credit report from the state of North Carolina. I also informed her that I have letter from XXXX stating that due to my XXXX status that the debt was not being actively collected by XXXX. She stated that she would need to get my information to pull a credit report that she think I would still qualify based on the information I had provide. She pulled my credit report and gather the information to proceed with pre-qualification process. She sent the information to the mortgage company XXXX XXXX XXXX, to be screened for preapproval. A couple of days later she contacted me to request supporting documents such as the letter from XXXX along ID and bank statements to process the pre approval. My realtor scanned the documents and forwarded them to XXXX XXXX. A couple days later she contacted me and congratulated me and stated that I had been pre approved by their underwriter and I can go forward with my home search with the realtor. She forwarded myself and the realtor the a copy of the award letter. in towards the in of XXXX XXXX, using XXXX XXXX XXXX realtor I found a home and contacted XXXX XXXX and informed her that I had found a home that I would like to make an offer on my realtor at XXXX XXXX XXXX realtor contacted the as well and was giving the okay to move forward with offer and collect the {$500.00} earnest money and the {$500.00} diligence fee to secure the offer. After this I was forward the loan application and contract information the e-sign and some information to scan back to her office. One of the documents that was in contract package was a form asking for credit card information on for appraisal fee, I contacted her office and asked why I needed to supply my credit card in formation because she initially told me that it was apart of closing. She told me that I did n't have to supply that information. So I left it blank and scanned and emailed the package back to her. A couple days after she received the documents she contacted me and stated that she did need my credit card information, I ask why? she stated its for in case you decide after we have the house appraised that you no-longer want to purchase the home then we will have to bill you for the appraisal. I said okay. A day after me providing her with credit card information she contacted me and said that the underwriter want me to provide another letter from XXXX in-reference the tax leins on my credit report. I informed her that they had pre approved me with the document letter that I had already sent from XXXX and I had ask them several times was document that I initially provided good and each time they stated that if it was n't then I would have not received a pre approval letter. XXXX said she also contacted XXXX and they informed her of the same thing that I told her prior to my preapproval. At the end she sent me a email stating that the underwriter had disapprove my mortgage loan based on the same information they had before they preapproved me for the loan. In the disapproval Email they XXXX sent to me, they stated that the VA suggested that the loan not be approved. I contacted the VA, they inform me that they have never heard of neither of the mortgage companies involved and the a preferred lender of the VA and as of today XX/XX/XXXX they show nothing been submitted or requested to prequalify or approve a loan for me. VA stated that most lenders that offer VA loans has and knows VA Guidelines or contact VA prior to preapproving a loan to allow Veteran to come out pocket for any down payment on a home because most of the money is not refundable. The BBB also shows the company XXXX XXXX as not being an credible business and XXXX XXXX is not showing as a business. I feel scammed and the reason they later requested my credit card because they wanted to charge my card for some fee. I was also was told it was safe for me to put in a 30 day notice to move from my current resident so as of the end of this month XXXX XXXX I currently out of a place to live.

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 non-monetary relief