Consumer complaint received 2016-04-08
Company: Movement Mortgage LLC
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
On or about XXXX XXXX, XXXX I was referred by the Buyer 's agent, to a Loan Originator by the name of XXXX XXXX with Movement Mortgage. I filled out the online pre-application which would later the final application was filled in by XXXX XXXX. He quickly gave me a pre-approval at which time, the seller and I entered into a contract. I gave earnest monies in the amount of {$1500.00}, paid {$500.00} for appraisal, paid {$250.00} for inspection of the home, started packing, etc. etc. I verbally informed XXXX XXXX that I had a short sale on a previous home in XXXX but the home was included in Bankruptcy in XXXX. XXXX XXXX never commented on that and did n't inquire further at all about it. 
Once the underwriter requested a copy of the Hud Statement from that Sale, I began to ask questions to XXXX XXXX. He in turn would say, let 's just wait to see what the underwriter will do. I continually did my own research as XXXX XXXX seemed to occupied than to give his undivided attention to the fact that I kept telling him that I did n't think I was qualified for FHA because of the short sale. After I got tired of waiting on him to respond ( copies of some of the text messages attached ), I phoned their main office number. I spoke with XXXX XXXX ( another Loan Officer, I guess ) and told him how I felt like XXXX XXXX was too busy, and was n't answering or responding to questions that I had. He supposedly was away at a conference, but was supposedly working on my file. After waiting and waiting, he eventually told me the FHA Loan was denied. I asked him, " did you not remember me telling you about the short sale ''. He replied " honestly, I do n't remember. I complete XXXX loan applications a month ''. At that time, I lost all confidence in him. The next thing he discussed was converting my loan application over to a Conventional Loan. After several attempts of contacting XXXX XXXX by text and email with questions and status, he hesitantly was responding ( before he realized he screwed up he would respond immediately ). XXXX XXXX gave his 2 cents, but of course they work for the same company so they would try anything to cover their a**. My buyer 's agent and her lead knew everything that was going on with my file ( which I feel is unprofessional ), and I had XXXX instance where the Buyer 's agent Lead phoned me on three way and she called herself going off on me in a nice nasty way, because I had contacted another Loan Office within Movement. While I was waiting on responding from XXXX XXXX, I decided to contact another Loan Originator with another company. He asked all the questions needed " up front '' and he immediately told me that I was not eligible for FHA due to the short sale and that the other loan originator ( XXXX XXXX ) should have known that up front before taking me through all of that. 
According to the new loan originator, the Buyer 's agent told him that my conventional app was denied that morning, but XXXX XXXX continued to text me in the afternoon that things were being worked on and transferred. After sending him numerous text messages, he eventually called me back late that afternoon saying my conventional loan wo n't go through and he did n't know why. 
XXXX XXXX was very misleading, and being that he is the professional, he told several untruths. He put the blame on me because I checked no to the question of " have you every foreclosed on a home or did a deed in lieu of ''. I explained to him I did not know that those referred to a shortsale, but being that I verbally told him about the short sale. He is the Loan Originator he should have known what to check on the final application that he filled out. I have received the appraisal refund, but I am also wanting Movement Mortgage to refund me for the inspection of the home that I did not get. Had he done his job right from begininning, I would not have put any money out.

Company response to consumer: Closed with explanation