Consumer complaint received 2022-09-30
Company: GATEWAY FIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
" Please beware of XXXX XXXXXXXX XXXX XXXX XXXX owner @ XXXX XXXX. 
XXXX XXXX owner @ XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX, owner @ XXXX XXXX XXXXXXXX in XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I have always managed my own subs, projects... 
Recently, I took out an FHA XXXX with Gateway Mortgage. A XXXX wraps a new mortgage with a rehab loan. 
I was assigned a certified Inspector, XXXX XXXX, by Gateway Mortgage. They are supposed to manage the GC, project, to prevent theft & protect the HO. 
XXXX XXXX did not only not protect me he put me in financial harm by hiring the GC of his choice after running mine off for several reasons. I trusted him, he's a retired XXXX XXXX. I just can't wrap my head around the deception, intent of theft by him, especially since he is certified by HUD! He has zero XXXX  complaints until mine gets published. 
XXXX XXXX is responsible for writing up the scope of work, the cost- & the permits that need to be pulled. 
The GC, XXXX XXXX, is responsible for hiring subs, making sure they pull permits, engineering reports, etc. 
Then XXXX, the FHA Inspector overlooks him & submits for draws. 
The mortgage Co. Is NOT supposed to disperse any funds without copies of permits attached, any engineering & city inspections closing a job. 
They disbursed without any such attachments!!! 
XXXX XXXX, GC of XXXX XXXX, hired XXXX XXXX XXXX they turned around and subbed job to XXXXXXXX XXXX XXXX XXXXXXXX XXXX did the job they were told to do so they are not responsible for what went wrong. 

XXXX ) My foundation called for 20 steel piers at perimeter of entire house. They put in 14 concrete pilings. 
No permits. No inspection. Bogus engineers letter. 
Approximately a $ XXXX job that incl. Some beams & sonotubes as well. The actual written project was estimated to be $ XXXX incl. the GC fee. So not only did they not use what my engineer said this house needed, they kept the difference of the 2 jobs. Concrete v. Steel. So theft of Approximately $ XXXX on foundation or in reality the entire amount $ XXXX plus the cost to undo error in materials. 

XXXX ) No HVAC permit pulled, no electrician used. 
XXXX  XXXX won't answer phone or return calls. 
Brand new 3 ton XXXXXXXX XXXX  XXXX for downstairs 1150 sqr ft. Not cooling properly. Set on 70, it's 78 in here. 
Brand new 2.5 ton for upstairs, 1150 sqr ft. No kitchen so smaller, set on 70 it's 77 degrees. 
Approximately $ XXXX stolen if the XXXX equipment is actually new & not used or defective that he threw into house. 
I have zero warranties from anyone. GC or Inspector won't return calls as soon a they figured that I had busted them. 

Only good to come from it, preventing It from happening to others. IMAGINE THAT THIS HAPPENED TO ME, XXXX XXXX XXXX XXXX XXXX 
How many HO 's have they scammed that are not aware yet? I only know because of my professions, my questions ... '' This is a post on a XXXX XXXX I made, explains it partially. I have copies of closing docs & contract with XXXX XXXX, HUD inspector that I can upload, GC, XXXX XXXX also signed it. 
I didn't realize XXXX XXXX was not supposed to know any of the parties involved & signed a conflict of interest disclosure. XXXX XXXX continually butted heads with my GC of choice, finally making him quit, he then, at the XXXX hr., stuck his GC into the contract. He inspected my property back in XXXX XXXX, we closed in XXXX XXXX, they started work in XX/XX/XXXX on foundation. I now have a structural engineers report with measurements, the house is now more undeveloped than before the foundation job was completed by them. 
The HVAC is currently being repaired, not installed correctly & may have damaged units & /or shortened their life spans. The furnace flues were not replaced or repaired, new report states carbon monoxide risk, tech turned off gas until repair can be made. {$8000.00} to bring to code & repair the faulty installation. That dies not include missing equipment that was supposed to be included per HUD inspectors write up of work, i.e., XXXX XXXX XXXX lights {$2400.00}, new air plenums... 
I dont have a new foundation estimate as of yet, working on it. 
I need all the money the HUD INSPECTOR & GENERAL CONTRACTOR were paid out of first draw, approx. $ XXXX & whatever the cost of remediation on both jobs will be, incl. The HUD inspector fees. The rest of the project needs to be completed but the money has to be used to remediate these two jobs. 
My believe is that someone at mortgage Co. Is in on this scam with HUD inspector & General Contractor. The HUD inspector & Gen. Contractor also intimidated my wife while I was at work, making threatening remarks & had her sign for 1st draw even though she's not on the note & asked them to wait until I was off. They refused & showed up anyways, she is on XXXX XXXX medications that leave her groggy & brain fogged. One comment by HUD inspector, XXXX XXXX, was, " when I find out I'm terminal, I'm taking some people out before I go ''. 
GC, XXXX said to my wife over phone that she had " XXXX '' him over on the foundation bid because the Rep for XXXX XXXX XXXX, XXXX XXXX said in front of her & GC that he could do same job for half the price that was on work write up. My back deck was cut up & nailed back together, it's a safety risk now. My grass was killed off by them leaving dirt on yard for over 3 weeks. No permits, no engineers, no inspections as required. We've had related cost & lived in poor health conditions due to the hvac pulling air from attic, missing filters, etc. 
Please assist if possible. TY! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation