Consumer complaint received 2019-12-26
Company: Moria Development, Inc.
State: NE
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I sent this email, among others similar. My employer, XXXX, gave them a XXXX  form for employment verification. They said it is not good enough to prove income or employment. They want everything on their form but they won't send me the form so I can take it to be filled. This is one of many emails trying to resolve this issue. 
We started this process around the end of XXXX, beginning of XXXX. The loan is for $ XXXX@ 3.875 % interest VA loan. We earn close to XXXX through one employment and two VA XXXX. We have provided proof of income multiple times. We owe about {$17000.00} one credit card, and a vehicle loan. Then the regular utility bills. The first time the loan was processed it was processed as if we still owned the house we sold XX/XX/XXXX and still had the debt of {$120000.00} We gave them the bill of sale and proof of bills paid through the process of the sale. We gave them proof that the student loans are in Forbearance until XX/XX/XXXX. We have given them these proofs repeatedly. 



-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX  <XXXX> Date : Thu, XX/XX/XXXX, XXXX XXXX  Subject : Re : Disqualification letter To : XXXX XXXX <XXXX> Cc : XXXX XXXX <XXXX> , XXXX XXXX <XXXX>, XXXX <XXXX> Hi everyone! 
I am going to join in. I think there maybe a bit of miscommunication. Correct me, if I am wrong XXXX or XXXX. 
The form needs to be filled out by a supervisor/manager or someone in HR. There is very little information they need to actually verify and that is why XXXX wanted to speak with your manager/supervisor to explain what she actually needs them to verify. These are verified by XXXX  XXXX all the time. I work with military and other XXXX  XXXX  and they confirm this information without pause. 
We are all wanting to get you into your home expeditiously, and hopefully we can find a solution to do so. I would hate to see you lose the house over a form. 
All my best, XXXX XXXX, Realtor XXXX/XXXX  XXXX ( XXXX ) XXXX XXXX On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX <XXXX> wrote : I have provided the following proofs of my employment and income. 4 paystubs, the XXXX form that states I am employed, the XXXX form that states I am deployable through XX/XX/XXXX, an email from XXXX that I have been issued a XXXX  travel card, an email explaining that I have 16 years combined XXXX  XXXX  and I took this job to get back into XXXX  XXXX  to gain my retirement, links to XXXX  webpages explaining the XXXX  hiring process can take up to 15 years to gain permanent status. Then I was asked to have any co-worker send them an email from their XXXX email stating that I work with them. It was sent. My co-worker was sent a form asking her to verify that she is an HR person. I work in XXXX not HR. I told my co-worker not to sign that form because it is a lie and we could both be fired. I was also told my previous employer stated I worked for them in XXXX and I was withholding W-2. I contacted my previous employer and received a copy of the form which clearly states XXXX dollars earned in XXXX. Tuesday XX/XX/XXXX around XXXX, I was told that if my supervisor could verify that I am expected to be kept on then that would be enough proof. I asked for the form that People 's Mortgage wants my supervisor to fill, then I could take it to them explaining why I need this form filled. I said if you email the form to me I can take it to them. I have not received the form in either of my emails not in my private email or my XXXX  email. I also stated that it can't be the form XXXX said is illegal for us to fill. People 's Mortgage wants their form filled a form my employer said is against their rules. People 's Mortgage said I should risk my job insisting on the local HR department fill a form that the XXXX XXXX XXXX XXXX has told XXXX can not be filled due to security concerns. The hold up to this loan is not XXXX or XXXX XXXX. The hold up is People 's Mortgage wants me to risk my job to force XXXX to fill a form that they won't fill because XXXX has provided their own income verification forms. People 's Mortgage needs to either process the loan or provided a disqualification letter. 

Sincerely XXXX and XXXX XXXX On Tue, XX/XX/XXXX, XXXX XXXX  XXXX XXXX <XXXX> wrote : Mr. & Mrs. XXXX, Please know that this file would have qualified accordingly had you been transparent about XXXX employment status from the beginning with XXXX and then XXXX after she took over. Your application and statement below does not match the information verified. We have used all of our resources to verify your $ XXXX   monthly guaranteed income as you mentioned below. We are only able to verify guaranteed income of {$970.00} ( XXXX ) and {$1200.00} ( XXXX ) {$2000.00} less than you told us. Please provide valid proof of the income with a contact information for an authorized HR person within your employment agency. This contact person must be capable of filling out the standard verification employment form as required by government guidelines. If we you can obtain the proper verification, we could meet guidelines that will allow you other loan options. 

Kind regards, XXXX XXXX Loan Coordinator to XXXX XXXX PRIMARY ( XXXX ) :  XXXX|CELL ( XXXX ) : XXXX EMAIL : XXXX From : XXXX XXXX <XXXX> Sent : Tuesday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX <XXXX> Cc : XXXX XXXX <XXXX> Subject : Re : Disqualification letter At XXXX XXXX  on XXXX XX/XX/XXXX, we understood that everything was fine and the loan was going through. Then at XXXX XXXX  XXXX called and told us our debt to income ratio was too high. She also told us that if we could find someone to temporarily take over the loan of our XXXX XXXX XXXX, everything would qualify. This loan process has been wrought with difficulties. First, XXXX wrote the loan as if we still owned our old home and still had XXXX in debt. I was asked to provide a form that my employer, the XXXX   XXXX  would not provide. They gave me proof that a large percentage of the XXXX  XXXX XXXX employee 's are temporary and that I am listed as being available through XX/XX/XXXX. But they would not fill out People 's Mortgages ' form as they had provided XXXX XXXX form. 
Then XXXX looked at the application with the real facts of our income and debt. We were lead to believe as previously stated, until XXXX XXXX  XXXX XX/XX/XXXX, that everything is fine. For the best of everyone concerned ; People 's mortgage needs to disqualify our loan application or put it through as promised. We, XXXX and XXXX XXXX are not pulling out of this loan application as we feel our XXXX credit score and close to 4,200 dollars per month income should qualify us as we have been told by three representatives of People 's Mortgage that our loan would be approved. We have disclosed all of our income and debt. We have provided multiple documents to prove both income and debt as well as proof as of the sell of our XXXX XXXX home not to mention that we showed proof of old bills being paid and the student loan in deferment. We gave People 's Mortgage the same documents on more than one occasion. We are not pulling out but we are insisting that People 's Mortgage provide a disqualification letter. So the sellers who are strapped with two mortgages and medical bills due to one of them being on ventilation can move forward for to better their situation. People 's Mortgage has held this up way past the expected closing date of XX/XX/XXXX. We are unable to pull out of the loan process as XXXX has requested. However based on the preciously mentioned conversation with XXXX at XXXX XXXX  on XXXX XX/XX/XXXX ; we are unable to qualify, and therefore, People 's Mortgage needs to provide a disqualification letter. 

Sincerely XXXX and XXXX XXXX On Tue, XX/XX/XXXX, XXXX XXXX  XXXX XXXX <XXXX> wrote : Please confirm that you are withdrawing your application and I will forward to Compliance. 

XXXX XXXX Loan Coordinator to XXXX XXXX PRIMARY ( XXXX ) : XXXX|CELL (  XXXX ) : XXXX EMAIL : XXXX From : XXXX XXXX <XXXX> Sent : Monday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX <XXXX> Subject : Disqualification letter XXXX, We need a disqualification letter so that the sellers can put their house back on the market to avoid further loss. 
XXXX XXXX XXXX XXXX <XXXX> People 's Mortgage won't disqualify us from the loan, nor will they process it. If we try to cancel the loan both People 's Mortgage and the Sellers have threatened to sue us. 

**** I tried clicking on the option to allow My husband rights to this complaint however, I was unable to check the box please allow him rights as well, He is also veteran We are both XXXX veterans. My husband 's name is XXXX XXXX XXXX. Thank YOU******

Company response to consumer: Closed with explanation