Consumer complaint received 2023-08-11
Company: Lennar Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Since I arrived at Lennar Homes in May of this year with my wife and daughter, we have been delighted with the houses and we wanted to find out the price of the model house they gave us the approximate price of the house and they told us that the houses are being released every month. a month and what's up, it was that they knew how much the house was worth, but that we could apply with them to see if we qualified to buy one, the next day we already had pre-approval for a value of {$360000.00} and we only had to wait until XXXX To find out what price the house was going to cost, of course, it was {$8000.00} more expensive, but the seller very kindly contacted the mortgage lady and told her that if she could upload the pre-approval of course without my consent, which I accepted for which was also approved. 
Later I told them that I could not pay those {$10000.00} of the 3 interest points that they asked me to buy them in the closing costs. They very kindly told me that they could increase them to the price of the house so that I could pay them together with the mortgage of course That adding another XXXX dollars for improvements to the place that was never discussed but that I accepted in the documents because of the illusion of having my new home. 
When they sent me the purchase offer it was a XXXX afternoon when I was in a meeting they told me to sign the contract quickly because from the beginning they make it very clear to you that if you don't hurry the houses go up in price Others grab them or interest rates go up is a very elegant way for Lennar to get someone to sign under tremendous pressure. 
At the end of 2 months of sending them documentation that they asked for the same things 2 and 3 times and the stress that the whole process entails and changing and raising and lowering the interest several times and going to the house walk to see all the details of the house because in a week it was closing. 
Finally, the day of the closing arrives, which was a Monday by the way I begged them to change the date because it was the worst day for us and no one answered me, neither Lennar Homes nor Lennar Mortgage nor Lennart Title, only later they told me that it could not be done. change period. 
On the day of the closing, when we had already packed everything, we had the cars loaded, a rented truck told us that the appraisal ( the appraisal 4 days before the closing date Lennar give us 4 days after the closing date ) was made of the house had gone lower and that the closing was going to move by the end of the month. 
And yesterday they told me that they would change my house for a smaller one with higher interest and that I was going to pay more and that apart from that they would give it to me until XXXX and that if I did not accept they would cancel the contract and return the money to me in 90 days and I dont know what happened with my money I send to the Lennar Title Company . 
And I wonder what you would do after the exhaustion that this whole situation entails and wasting time in these 4, 3 days of work and I don't know how many gallons of gasoline and having my wife and daughter excited about their new house sleeping on its floor at this time. 

XXXX XXXX & XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation