Consumer complaint received 2021-09-01
Company: AMA Advisors, LLC.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The XX/XX/2021 loan officer XXXX XXXX at HomeBridge Financial Services XXXX XXXX Homebridge Financial Services Mortgage Loan Originator | NMLS # XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, AZ XXXX Branch NMLS # XXXX asked me questions about my XXXX and that had nothing to do with the loan since I proved I am XXXX due to recieving SSI. She directly asked me HOW DID I BECOME XXXX, WHAT WAS MY XXXX " AS IN '' WHAT CAUSED IT, AND WHAT KIND OF WORK DID I DO BEFORE I BECAME XXXX ''. That was an invasion of privacy and my rights as a XXXX person and I felt like she was verbally forcing me to answer the questions because we were going thru the actual loan process application over the phone when she asked me this question. She is part of the reason I decided to forget about applying in Arizona altogether. I did not finish the application process after that because I was uncomfortable with her and her the company she represents after this happened, she probably disclosed ALL my personal information she got to others she works with or knows, so I will not be using this servicer for a mortgage. I did however request a written letter asking for a credit decision based on the application information she took over the phone that she did the underwriting numbers for so I can save it for my records TO which I not too long after cancelled because of her adverse actions and they company contated me with a diffrent loan officer and I declined based on not wanting to do business with HomeBridge as a whole.

ntire Conversation with Ms. XXXX from start to finish is attached as an audio file HERE ON XXXX XXXX LINK COPY LINK DO NOT SHARE THIS LINK OR ITS DOWNLOAD OUTSIDE OF THIS GOVERNMENTAL INVESTIGATION DUE TO THE SENSITIVE PRIVATE INFORMATION ON THIS AUDIO IN ORDER TO PROTECT MYSELF AND OTHERS SOCIAL SECURITY NUMBERS AND OTHER IDENTIFYING INFORMATION TO AVOID THIS INFORMATION BEING COMPROMISED BY POTENTIAL IDENTITY THIEF XXXX XXXX XXXX XXXX Ms. XXXX knowing I receive SSI is her " being aware of my apparent XXXX '', she is aware even though she did not know the exact XXXX before asking me what it was, she knew of my legal XXXX status based on my SSI income. So she broke the law based on that fact. 

The whole conversation was uncomfortable for me past when she began asking me the direct XXXX  questions. I was on the phone with her for over an hour so I had to endure a long time 'after the fact '' of her violating my rights. 

I LOST A POTENTIAL HOME LOAN BECAUSE SHE DECIDED TO DO THIS, I COULD HAVE POSSIBLY GOT A HOME FINANCED. 

She also told me my income was too low and that she will not be helping me get a loan on my SSI income alone and that I have to have my son on the loan because he works, something I really did not want to do. 

I later applied with the STATE OF CALIFORNIA calhfa.ca.gov. AND WAS PRE-APPROVED QUICKLY WITH MY SSI INCOME FOR A HOME LOAN BASED ON JUST MY CREDIT AND JUST MY SSI INCOME ALONE. I ALSO HAVE THAT PREAPPROVAL LETTER ATTACHED AS A PDF FILE, AS WELL AS EMAIL MESSAGES FROM HOMEBRIDGE. 

THIS WAS OUTRIGHT XXXX DISCRIMINATION AND EVEN SOME STEERING BY MS. XXXX WHO KEPT SUGGESTING WHERE I SHOULD AND SHOULD NOT MOVE IN ARIZONA BASED ON HER THINKING I WOULD NOT BE ABLE TO LIVE IN CERTAIN AREAS IN HER OPINION. I BELIEVE HER OPINION WAS BASED ON MY XXXX STATUS. 

" If a lender tries to feel you out to see if you're suffering from any serious health problems or questions you " directly about an apparent XXXX '', that's a violation of your legal protections.

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