To whom may I concern, hello my name is XXXX XXXX I m resident in XXXX I apply loan through your XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX, XXXX branch residential mortgage loan orginator name XXXX XXXX XXXX # XXXX and branch manager name said XXXX XXXX # XXXX. I m really disappointed and frustrated from there service they miss educate me and miss guide me I m a first time buyer this was my first home my all family was so excited about it, XXXX XXXX call me through my bank representative to apply my FHA loan he get my all information over the phone and call me back same day and said I m approve for FHA loan and also send me approval letter with I start looking the house with my realtor XXXX XXXX I like XXXX house and make the contract they and XXXX give us closing date on XX/XX/2015 I start working with XXXX XXXX XX/XX/XXXX and personally went his office submit my all paper work what every he ask me after that he was keep asking me some more paper I was keep providing him on time within same day and I was keep asking him everything ok m I gon na get the loan he was keep saying XXXX u already approve its just paper work I m might close u before XX/XX/XXXX just get ready your down payment from my site I provide him everything and keep doing what ever he told me they spend like almost 3 week to send me discloser cause by mistake they send me on wrong email add I never receive them then finally after 3 week he send me pdf copy of my discloser and ask me to print those sign it and drop that in the office I did that too still he was saying ya u are fine we will close u XX/XX/XXXX or sooner I paid XXXX earnest money XXXX for owner XXXX dollar aprasal fees and he ask me u have to collection on your credit report pay them to get better rate so I paid my collection XXXX and XXXX and he knows I spent that much already and XXXX is my closing date if I do n't close on XX/XX/XXXX then according to the contract seller will not refund my earnest money and will cancel the contract I was keep remind him plz XXXX tell me now if any problem I do n't wan na lose my money and time but he was keep saying faith on me trust me its just paper work everything fine and when time come close he start asking me some document again those document I already sent them but he says can u send me again same time I receive some more mail from XXXX XXXX XXXX and XXXX XXXX to asking me some more document I provide them same day too from my side I provide them each and single document what they ask me and they are not able to close me on XX/XX/XXXX now I lost the contract lost my house and loose my money now XXXX XXXX no replying me and letting me know whats going on even he is not giving any answer to my realtor to miss XXXX XXXX her email add is XXXXXXXXXXXX her phone number is XXXX u can call her and ask her all the situation my question is why they cant able to close in more then 45 days and if I have some issue why they do n't tell me before the contract expire, so I can take my money back but now what I lose everything and still they are not giving me answer why XXXX XXXX lie to me and give me wrong hope I gave him everything he should know according from my document that I m able or not able to get the loan and if I was approve then what happen now whos is responsible for my money and time lost I m living in apartment right now I already gave them XXXX month notice I have to vacant the apartment by XXXX XXXX and XXXX ok me to give two month notice now they already rent this apartment to some one els now I have to move on XX/XX/XXXX u guys tell me where I go now what I do now I have XXXX little kids my holiday is like hell everybody sad in my family my wife my kids myself in so much under pressure now cant even perform the work well me and my wife work very hard for our money