This letter is a statement of Unethical practices of finance of America, including      XXXX   XXXX      and    XXXX   XXXX         XXXX   XXXX   Location   XXXX    NMLS #  XXXX  Finance of America Mortgage LLC, NMLS #  XXXX     XXXX   XXXX      XXXX   XXXX   I applied for a mortgage loan on   XXXX     from  Finance of America  on the   XXXX   XXXX     was     XXXX   XXXX    . When I first talk with  XXXX  explain to me how I was approved for a down payment assistance program for {$12000.00}. I was told by tomorrow I could use that money for closing in my down payment. I asked tomorrow to send me the paperwork I needed to go forward with the home-buying process. After looking at a few houses with night homes I was ready to sign a contract with    XXXX   XXXX    or  XXXX   XXXX   XXXX   XXXX  Georgia  XXXX .  XXXX   XXXX  I I applied for a mortgage loan with  Finance of America   XXXX   XXXX  because I was approved for a  XXXX  NHF program.     On  XXXX   XXXX  I signed a contract for property  XXXX   XXXX   XXXX   XXXX  Georgia  XXXX .   My close date was set for  XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX  loan processor requested all my info needed for closing.  XXXX   XXXX  I sent it to  XXXX   XXXX .    XXXX   XXXX   XXXX  sent me the loan estimate.  XXXX   XXXX   XXXX  had a walk through confirmation with the property.    XXXX   XXXX   XXXX  stated my loan paperwork was submitted to underwriting.    XXXX   XXXX   XXXX  stated I was n't approved for the nhf program he previously told me I was approved for.    XXXX   XXXX   XXXX  stated my ratio is too high at 50.99 %.    XXXX   XXXX   XXXX  stated I could not close until I refinance a car that I was a joint owner on to lower my debt to income ratio.   On  XXXX   XXXX  are signed extended contract with my new clothes date now  XXXX   XXXX    XXXX  .   From  XXXX   XXXX  to  XXXX   XXXX   XXXX   XXXX  was very vague on my closing date. After I refinance a car out of my name and sent his company all the necessary paperwork needed to close on the loan  Finance  of America still was not ready.   On  XXXX   XXXX  I was told by  XXXX   XXXX  I was not going to close because they had to work out numbers so I had to sign another extension to my contract.   I was never contacted a week before or  XXXX  weeks before from Finance of America. Finance America never communicated with me correctly. I signed  three extensions to my contract and finance of America  still was not ready.   During the process from the first closing date all the way to the  XXXX  closing date tomorrow  XXXX  vaguely corresponding with me on the things I needed for closing I 'll called and texted, I even responded back to his processor the try at least get all the paperwork I needed to close. When I did n't have the necessary pick for ready for finance of  America  to go ahead and close on my loan I was told by the processor I had to wait another 30 days and pay {$1000.00} just to lock in my rate.  XXXX   XXXX   XXXX   XXXX  of finance of America has been very terrible with their unethical processes.  Finance of America   XXXX   XXXX  and have a cold has cost me thousands of dollars that I have lost and rent my kids taking vacations when they knew I was n't going to close stress and more. I would like for finance of  America  to please return my monies that I have lost during the process of their unethical practices of approving me for my loan.     1.  XXXX  of  XXXX   XXXX   XXXX  and  XXXX   XXXX  made me wait for interest to go up without locking my rate after I requested.    2. Finance of Americas   XXXX   XXXX  and  XXXX   XXXX  continued to lie to me about closing on my property but never put forth the effort.    3. Finance of Americas   XXXX   XXXX  and  XXXX   XXXX  wanted me to pay for a rate lock and due to the lost conversation between there business and myself.    4. Finance of Americas   XXXX   XXXX  and  XXXX   XXXX  used and wasted my time vacation time  XXXX  based on the agreed dates to close.    5. Finance of Americas   XXXX   XXXX  and  XXXX   XXXX  has put me thru so much mental stress and anguish I almost lost my family.     I have all emails and text sent time stamped also the reply on  Voicemail  Any more questions please feel free to contact me    XXXX   XXXX     XXXX