Consumer complaint received 2020-10-04
Company: NQM Funding, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX / XX/XX/XXXX through XX/XX/XXXX US Mortgage of Florida specifically XXXX XXXX origination loan officer there approved me, the consumer, to make offer on home with promissory down payment {$2000.00} then later another {$2000.00} ( I told ok to put down again since no loan happened as originally promised ) XXXX XXXX provided me with an approval letter proving to sellers/ realtors involved I was preapproved for a loan from US Mortgage prior to making offer on this house. Through the following months she repeatedly failed at getting me a loan, blamed me over and over why she failed to get loan when she was one who Preapproved me in first place. XXXX XXXX and another woman XXXX at US Mortgage failed at important communication deadlines, didnt hear from XXXX XXXX for weeks at a time, after I had already trusted her that she promised a mortgage loan even putting down {$4000.00} good faith payment as I was directed to do by her along with her promises. I always gave her every single document she asked for at the exact moment she asked for them. Then after these repeated promises/lies, blaming me the consumer for her failures and lack of consistent communication, going about her business with other clients, months later sometime in XXXX all led to that if I didnt agree to private loan through XXXX at interest rate 10 % I would lose the house and my {$4000.00}. She promised to refinance this 10 % XXXX loan after 12 months and promised to close on 10 % loan by XX/XX/XXXX, neither of those promises of course happened which were stacked upon by her other lies. She then lied about those promises, consistently not going through docs I was sending her, repeatedly asking for docs I had already given, ignoring my questions, not responding back, XXXX XXXX failed to close on this high interest loan as promised by XX/XX/XXXX causing me to lose thousands/ paying thousands more property taxes XXXX since I could not apply for Homeowners Exemption all the fault of all involved with XXXX XXXX and US mortgage of Florida and XXXX. No accountability, just blaming me, the holidays and bank hours the reason they couldnt close by XX/XX/XXXX. No apologies, no communication, just me being out of thousands and thousands $ . Then, at the closing in XX/XX/XXXX since XXXX XXXX consistently ignored my questions re what amount of closing costs would be, since I was lied to and ignored was shocked at the total amount of XXXX XXXX of XXXX  dollars I made to pay at closing as closing costs from my Retirement account ( with more fees for removing it and tax debt ) for this terrible 10 % loan and not ever given the figures to be expected. I also noted this horrible 10 % loan listed in documents as Conventional loan. Then I found out about lies re paying points at closing I was never informed of. Then I had to move paying hundreds of dollars thinking loan would close by XX/XX/XXXX included costs of tow my car, ( which was damaged due to tow adding more costs ) pay storage locker which had to move all my furniture in and out of storage locker all costing me hundreds more since they lied about closing date. I also had to pay high cost for staying at hotel all the while no communication from XXXX XXXX what is happening with loan. No communication on XX/XX/XXXX, absolutely no contact with XXXX XXXX, just me sitting in rental truck with all my belongings in tow. being told only my realtor that loan did not close that XXXX. ... all due to XXXX XXXX being out of office for holidays while Im stranded in hotel with my very sick young dog XXXX of XXXX XXXX. My dog died days later in my arms from XXXX mainly from XX/XX/XXXX fireworks she had to endure from me having to move furniture at XXXX XXXX  into storage while fireworks going off. she was petrified. I know theres no proof USMortgage to blame for my dogs death but they most certainly paved the course why I was there at XXXX XXXX  moving furniture in storage locker instead of MY HOUSE. All the while everyone involved gets their commissions and fees while they all preyed upon me, consumer and out $ $ XXXX  .... OUTRAGEOUS!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation