Consumer complaint received 2022-04-10
Company: Rocket Mortgage, LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was harassed continuously by Rocket Mortgage offering a refinance on my home. I finally agreed to the process after being provided with a compelling offer. Appraiser XXXX XXXX was appointed by Rocket Mortgage and presented to my home on XX/XX/22 for a home inspection as part of my refinance process. During this visit, XXXX XXXX presented extremely overwhelmed and stated being so regarding new appraisal regulations. XXXX XXXX hastily completed his report and even contacted the following day requesting I take a picture and text him to him as he forgot to do so during his appointment and did not wish to return. XXXX XXXX then hastily provided a completely erroneous and inaccurate report/assessment of my home despite having two of the exact same homes in the neighborhood at his disposal to use for reference. 

XXXX XXXX reported my home to be a Raised Ranch structure which is incorrect. My home is a 2 story colonial as is documented in the XXXX XXXX XXXX ( see attached ). He reported the home to be almost half the size ignoring over 578 square feet of living space and reported my home to 4 rooms, 2 bedrooms 1 bath. My home is CLEARLY a 6 room, 3 bedroom 2 full bath ( see attached XXXX listing that came straight from the BUILDER ). XXXX XXXX all together excluded my 1st floor living area which includes a master suite with a large bedroom, full bathroom with marble vanity, walk in closet, chandeliers, as well as an additional laundry room and closet on that floor ). NO AREA of my home specifically the first floor is submerged underground for it to be excluded from living space. My Master Suite was built by the original developer up to code and par with all other areas of the home. I have attached pictures and listings for the SAME house that sold THIS MONTH as well as the original XXXX listing for reference. 

XXXX XXXX additionally used incomparable older and significantly smaller structurally different homes ( single story ranches and cottages ) when again he had the SAME EXACT new/newer homes to compare to in my neighborhood. XXXX XXXX also neglected to include improvements to the home to include lighting, a porcelain paver patio, and THREE parking space driveway. I feel this was done intentionally in conjunction with this mortgage company. 

The addresses of these SAME homes are : XXXX XXXX XXXX, XXXX, RI ( SAME EXACT home in my neighborhood sold this month ), XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, RI ( SAME EXACT home in my neighborhood sold this month ), $ XXXX Other comparable homes include : XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX, XXXX, RI XXXX XXXX XXXX, XXXX, RI I have pictures and documents corroborating my accurate and truthful statements. I have uploaded these to my Rocket Mortgage account for reference. XXXX XXXX incompetence and Rocket Mortgage 's negligence has resulted in unnecessary stress and hold up of what would be a very simple refinance of my home. 

Rocket Mortgage has continuously refused to address, listen or even communicate with me regarding these grave concerns. They have refused to request a new appropriate competent appraisal and have not allowed by to rescind and is now pressuring me to refinance based on a NEW DIFFERENT loan only to secure me at a higher rate of interest.

Company response to consumer: Closed with explanation