Consumer complaint received 2020-07-14
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I Started back in XXXX Originally with our loan officer 1st we started with a conventional loan because my credit was sufficient enough and my income was sufficient enough but then all of a sudden there were other reasons that they couldn't approve that so the loan officer said Hey let 's take you to FHA we can guarantee you a closure from that point we have been doing this For 4 months they have had me sign 5 closing disclosures they have run my credit they have gotten all necessary documentation we have done credit rate extensions after credit rate extensions and every single week I would get a closing date and then they would pull it back and say they need something else they've extended it and extended it and extended it and tried to charge me for the extension but they finally has extended it and did not do a new rate lock well for the past 4 months I realized we've had the covert 19 thing but this has been a severe emotional rollercoaster I was guaranteed that this will absolutely happen so I made arrangements based off of that and now after the 5th closing disclosure they have decided they want to do this again and do that again it has been absolutely ridiculous and I need help. This is my 1st mortgage ever I am trying to refine my house Which I own 100 % fully paid for and I'm trying to borrow some of the money from it I have paid for to appraisals I have a paid a lot of money trying to get everything needed that has been required in requested and now they have decided to not move forward with it I don't know what to do but they have been playing with me and playing with me through this entire process I am a father of 3 I own my own business and now a second business and some of my future business decisions based off of the loan that they were about to give me I don't know what to do I have sought legal representation and this was the 1st step in that process I hope that somebody please somebody can reach out to me and assist me. 
The company that I've been dealing with his Cardinal financial that is the loan or mortgage holder the alone officer is skeens consulting out of XXXX Maryland it has been an emotional roller coaster and now because it's gone the other way it has severely damaged my future and financial plausibilities because of the decisions that were made based off of the approval and the closing dates that we had 3 times. I am cautioning against this company my loan officer also informed me that this company had 3 individuals back out of their loan because of their inexperience and inability to facilitate the loan closings I don't know if it's somebody's an experience or what I have every single document that they ever provided me and every document that we have Uploaded every single thing they have ever requested we have supplied it within 48 hours I just don't know what to do from this point and now I'm in a position where I can't go somewhere else so they have completely destroyed this. I have lots of documents from both sides I would like to upload them however I do not want all the my personal information broadcasted through this if need be I would love to provide it to you individually I just don't want to attach it here and then it end up somewhere because it has all of my personal information my extremely good qualifying credit for this particular alone my debt to income ratio which absolutely falls within line and everything else everything that they requested was above their standard they approved me they went through the whole process and gave me closure after Closure and now I can't even go somewhere else because it's hurt my credit and financial capabilities because of what I was informed. I hope somebody can please rectify this issue Cardinal financial and skeens consulting are both parties. Thank you i hope to hear back soon. Ps. I will attatch a few documents but i have lots more if needed. And this is just 1 of 5 closing  disclosures!

Company response to consumer: Closed with explanation