Consumer complaint received 2015-10-12
Company: SecurityNational Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
XXXX XXXX I was told from XXXX XXXX from Security National Mortgage Company if I didn t go with the house her husband was a listing agent with then I couldn t get a loan from her company. 
Before XXXX XXXX. 
Day after closing XXXX XXXX She calls me and my husband ( after being approved for the loan ) because she messed up telling me I needed to pay some credit cards off but wanted me to pay XXXX large balance instead of XXXX low balances because she didn t want to have to pay more money for XXXX for a rapid rescore but told me when I did it I would be good to go. Then called me back day after asking for more. Told me to use my rent money bc I wouldn t have to pay it bc I d be in the new house, paid it. Then she calls me Friday XXXX XXXX XXXX and says no wait I need you to pay more stuff off. Came to our house and brought our credit report highlighting all the stuff we needed to pay off. Asked me and my husband different times to sell, our car for a week to lower my DTI. And before all this I told her and my realtor told her not to charge for the apprasial until I was approved bc she has done this with multiple people XXXX. Day of closing saying wait you need to pay XXXX or you cant close so we said you charge nothing until you are sure we are clear to close besides appraisal. She said XXXX your fine stop worrying. She yelled at me and my realtor anytime we asked for anything. Her husband was the listing agent on the house so she kept pushing me to get it saying we have to get the contract in right now so just go with this XXXX. Told me to accept full asking price bc I qualified I had nothing to worry about only a XXXX a month difference from what we were countering with. I asked for all of closing to be paid and whenever me our my realtor asked for anything or wanted to know where we were she would yell at us telling us we were bothering her and she ca n't get anything done with us on the phone. I could n't believe the way she talked to me. I would say you are being so mean she would say I 'm not being mean do n't you want me to get this done if so leave me alone. She kept telling me you are fine you qualify for the house and gave me a approval letter and told me to stop worrying I was more than fine she promised me I had nothing to worry about. She ordered insurance and I had to pay a deposit along with I turned on the bills thinking I was moving that day. Boxed my whole house up bought all the supplies for it. She charged appraisal XXXX, I paid inspection, and pest at least a week of electricity, insurance deposit and all moving supplies. This has been a nightmare and when I told her I didn t have any more money after she asked if she could call my mother bc she kept calling her telling her everything what I needed to make her feel bad so she would pay it ( which i didnt give her permission to do ). I told her no if she called my mom again i would report her. So she sent me a denial letter instead of letting me look for a house that I could afford. So now Im out a whole bunch of money and still no house. Im heartbroken this was my first time buying a home and scares me to ever try again. What is sad is even during the last few days I have heard of her doing it to XXXX or more people recently. I am so upset.

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