Consumer complaint received 2022-09-30
Company: Rocket Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a home loan in XX/XX/2022 and found a house we signed a contract for. We had a mortgage broker and were using the mortgage lending. We provided all of our financial information and were conditional approved, just had the underwriting to finalize. We were on a daily sometimes multiple times a day email chain of 15 or more emails to the broker with back and forth and one item at a time.

I have student loans that are in the repayment process, and it was 2 weeks or more getting the paperwork from the loan company to be what the underwriter would agree to accept. It was constant back and forth this is perfect, no we need more because my loans had been sold from their original servicer several times as the loan numbers did not match what the credit report stated. Even after speaking on the phone to the servicer, it was still an ordeal trying to get the piece of paper that stated precisely what the underwriter wanted specifically. 
When the loan was finally the way the underwriter wanted it, it was an additional 3 weeks to get my income in order. I had a job lined up making the same amount of money I currently make, but the underwriter would not accept the income or job since I am a XXXX XXXX. He wanted me to have a permanent position. I went out and got a permanent position and kept the XXXX XXXX as a XXXX  position so I could make extra money for my family in the winter. The loan officer decided not to give the underwriter the new income information because he felt it was none of the underwriter 's business. I asked him numerous times to please forward it all to him so we could dodge any bullets and we could make sure all our ducks were in a row. At this point we had 3 weeks until we were to vacate our current dwelling, and i wanted to ensure if we put in a 20 day vacate, we had somewhere to go. The loan officer assured us we would be closing on the date we anticipated, so we put in our intent to vacate. 
For the next 3 weeks, the underwriter had problems with the letter from my employer. He didn't like the fact it was signed on XXXX  ; he wanted my employer to hand sign and email to me to hand sign and she signed, resigned, and signed in every way he asked for. At the end of the 3 weeks, he then tries to call her to ensure I have this job lined up, and by that time with 3 weeks of having paperwork sent, resent and sent again, I no longer have this job. 
I asked for them to please use the other job I had provided them with, and they blatantly refuse. I was hired for a XXXX XXXX XXXX, and they stated I may not work nights and I may not work as a XXXX XXXX, although that is entirely the only shift, I have worked in 14 years and there is no other option but to work the XXXX XXXX  with that job. The loan officer and his manager kept bullying me to release my employers phone number and name to them so they could call and speak to her. I am a professional, and when my employer states they can not release information over the phone, i am not going to think i am special and the rules do not apply to me. There are forms the mortgage company and the loan officer could have sent to my employer to verify my income, any shift differentials I may be getting and have it all in writing from my employer that I will only be working these shifts and always be working in the float pool at a premium. My loan officer stated since i refused to give him the name and phone number of my manager, he was withdrawing my loan application. We lost the appraisal amount on this home. It was supposed to be {$1200.00} but the loan officer came back last minute, and it was {$1700.00}. We lost the inspection cost of this home which was XXXX and we lost the down payment. we put 2 months of staying up researching and making sure everything was in order to have it ripped from us after a 60-day fight.

Company response to consumer: Closed with explanation