Consumer complaint received 2022-07-27
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (MA)

XXXX XXXX- We started shopping around for Construction Loans, due to running out of funds from the HELOC we previously took out to build an inlaw for my sick mother and remodel our existing home. I got in touch with TD Bank among other ones and decided to go with them. 
XX/XX/XXXX, XXXX Started filling out the application I emailed XXXX XXXX to see what loan product I should chose because Construction Loan was not an option. 
-I was told by XXXX XXXX to choose Refinance and XXXX XXXX would then structure it as a Construction Loan. 
XX/XX/XXXX We received an email from XXXX XXXX @ XXXX stating that if we had any question about the application to reach out. Then we received another email form him @ XXXX with him saying I couldnt find you in our system. Can you remind me what you are looking for?. Then soon after that email, we received another from him @ XXXX saying that he reviewed the application, and that my husbands income alone the DTI is too high. ( I could apply because I am a 1099 employee and because of Covid I was not able to work. ) XX/XX/XXXX @ XXXX I asked if we could use a Co-signer XX/XX/XXXX @ XXXX XXXX XXXX responded , yes and that a co-signer would potentially work. He also asked how much income would be added by the cosigner. 
XX/XX/XXXX @ XXXX - I responded back the XXXX XXXX and let him know that it would add XXXX a month and that the credit score was over 800. 
XX/XX/XXXX @ XXXX XXXX XXXX So good, would any debt be add? 
XX/XX/XXXX @ XXXX I asked if we could hop on a call to get further understanding of what he was looking for. 
XX/XX/XXXX @ XXXX I let XXXX XXXX know that it would be my mom that would be co-signing and that she mentioned a student loan that was in a forgiveness program, I asked to hop on a call again and asked what are our options to bring my husbands DTI down. 
XX/XX/XXXX @ XXXX XXXX XXXX replies added your mom to the loan ( she did not state her name she said mom, so unprofessional and discriminatory I was not liking that at all. ) XX/XX/XXXX @ XXXX ( there must have been phone call before this ) XXXX XXXX confirms that paying off one of our 2 leases would not work to lower my husbands DTI . 
XX/XX/XXXX @ XXXX I sent over my mothers information. 
XX/XX/XXXX @ XXXX XXXX XXXX added my mom ( he used her name in the email ), that the DTI was still tight, but he thinks we can make it work. Then asked if we could provide the Builder Contract, Plans and Specs and Budget. 
XX/XX/XXXX @ XXXX I was still working with my contractor get over cost worksheet provided by TD Bank and I asked how soon I need to have the paperwork in by. 
XX/XX/XXXX @ XXXX XXXX XXXX XXXX can get the ball rolling as soon as info is recorded. 
XX/XX/XXXX @ XXXX I wrote I was finally able to get everything I needed from the contractor. Please if you have any questions give me a call XXXX. Also some of the items quoted have already been paid for, thanks a bunch! 
XX/XX/XXXX @ XXXX XXXX XXXX Congrats again on your renovation. 

I wanted to detail for you the next steps of this process with TD Bank. XXXX, XXXX and XXXX will be working together to make sure your closing goes smoothly! 

1. I would like to introduce XXXX XXXX. She works on my team and she needs to have a XXXX minute phone call with you this week to confirm some details. She will be reaching out to schedule a call after she reviews your file. 
2. In preparation for your call, please gather the following information a. Credit card number for Appraisal order ( XXXX will take this over the phone ) b. Last 2 Year 's W-2s c. Last 2 months paystubs d. Last 2 months bank statements e. E-consent PRIOR to your phone call. An email was just sent out. Authorization code is last 4 of your social.

We look forward to making this a smooth and stress free transaction for you. Thank you for your business!! 

XX/XX/XXXX @ XXXX XXXX XXXX emails all of us and say I am free anytime after noon on Monday. Or if Monday doesn't work for you, I am free any time after XXXX on Tuesday. 
Please let me know the best time and number to reach you. I only need to speak with one of you but if more would like to be on the phone, that is fine too. 

Thank you! 

( We all respond our best times that very day ) XX/XX/XXXX @ XXXX XXXX XXXX XXXX! I will put you down for XXXX on Monday. Confirm the best number to call and I will call you then! 

XX/XX/XXXX @ XXXX XXXX XXXX sends a reminder/confirmation email for our call @ XXXX XX/XX/XXXX @ XXXX I replied Great, thank you so much XX/XX/XXXX @ XXXX XXXX XXXX Thanks us for the call and sends a list of items needed XX/XX/XXXX @ XXXX I send over the first of many attachments and then @ XXXX I send the rest of the attachments XX/XX/XXXX @ XXXX XXXX XXXX confirms that she as received them. 
XX/XX/XXXX @ XXXX XXXX XXXX confirms receipt again and send a list this time of remaining items needed. 
XX/XX/XXXX @ XXXX I send over the remaining items and in a separate email @ XXXX I send over our house plans ( it is a big file ) XX/XX/XXXX @ XXXX XXXX XXXX confirms receipt and says that she will initiate contact with the Title agent.

( We were call inbetween this time to get updates to see if they needed anything else from us ) XX/XX/XXXX @ XXXX XXXX XXXX- According to my list, the only items I am missing for the file are the Plans and Specs. Once received, I can move the file to the next phase. 
Thank you, ( XXXX XXXX confirmed that she received them and the other items on XX/XX/XXXX @ XXXX ) XX/XX/XXXX @ XXXX, XXXX and @ XXXX I try to send the house plans XX/XX/XXXX @ XXXX My husband tries to send the house plans also XX/XX/XXXX @ XXXX XXXX XXXX- Ok, I am getting notifications that you are trying to send it but it is too large. Do you have the ability to upload to the portal or compress the file? 
XX/XX/XXXX @ XXXX My husband tries to send the house plans again. 
XX/XX/XXXX @ XXXX XXXX XXXX Can you compress the file or split it up? 
XX/XX/XXXX @ XXXX My husband tried to send it again. 
XX/XX/XXXX @ XXXX XXXX XXXX Perfect! Thank you! ( she finally received them ) ( Phone calls were made in-between here ) XX/XX/XXXX XXXX XXXX XXXX XXXX Can you please update/correct the cost worksheet? Its showing a cost of XXXX and its supposed to match the contract price. ( this was sent to our contractor, this is the cost worksheet that she previously stated on XX/XX/XXXX that was received ) ( Calls made to see how we were looking for closing because as far as we were told everything was in Closing was originally set for XX/XX/XXXX ) XX/XX/XXXX @ XXXX XXXX XXXX XXXX We received feedback from Underwriting that we need to clear up two items before moving forward. 

1. XXXXplease verify your rent amount for XXXX XXXX XXXX XXXX along with a copy of the lease agreement 2. XXXXplease provide documentation to evidence your federal student loan payment once its out of deferment. Your credit report currently doesnt reflect a student loan payment probably because of the force placed forbearance but we need to know what the payment will be once the government forbearance is lifted. 

XX/XX/XXXX @ XXXX I emailed back Hey XXXX XXXX Here are the two attached documents as requested. Thanks a bunch, please let us know if you need anything further from us. 

XX/XX/XXXX @ XXXX XXXX XXXX Received and reviewed these items. Lease is fine. For the student loan documentation, I will need more. Because the letter provided sattes the following, " The account is currently on a National Emergency Forbearance through XX/XX/XXXX. Repayment will begin XX/XX/XXXX. '' We need to know what this payment will be so you may need to contact XXXX XXXX for them to generate another document for you. According to the letter it may be on an income driven repayment plan. 

( Spoke to XXXX XXXX on the phone about this. Then called customer service and a local branch to get help and to further escalate. They gave me XXXX XXXX information he is a XXXX XXXX. ) ( I also called XXXX XXXX to make sure it was ok to continue construction while we were in the process, being a XXXX XXXX XXXX, I know big purchases are a no no ) XX/XX/XXXX @ XXXX XXXX XXXX I ran your scenario by XXXX and she said as long as it is part of the cost to construct, we should be able to credit it to her. If the builder is asking above that, then we would not. '' So if its work/cost as a part of your contract then yes, we would be able to credit this to you. 

XX/XX/XXXX @ XXXX I emailed Thank you, so to confirm it is ok to use the HELOC to make the payment? 
XX/XX/XXXX @ XXXX XXXX XXXX XXXX Correct. 
XX/XX/XXXX @ XXXX I emailed back, Thanks so much. 

( Calls made to the Staff to see how closing is looking ) XX/XX/XXXX @ XXXX I emailed, Hi XXXX, XXXX this email finds you well. Just checking in to see if we are still on for closing XX/XX/XXXX and also if the appraisal has been completed. 

XX/XX/XXXX @ XXXX XXXX XXXX Hello XXXX, Thank you for reaching out. I have received an update from Underwriting and we will have to push out the closing date from XXXX since we are still running into challenges with our Debt to Income ratio. We are at about a 47 % and we need to be at 43 %. 

Previously, XXXX provided documentation to evidence a {$0.00} payment for the student loan. However, on that same document, it states the repayment will go into XX/XX/XXXX. For that reason, the Underwriter can not make this a {$0.00} payment and we have to hit you with a worst case payment of 1 % of the balance. Unless we have other documentation to show that this will remain in deferred status for more than 12 months. 

We could look at paying off some additional debts in order to qualify. We could pay off under XXXX, the XXXX XXXX and XXXX XXXX XXXX card. Then payoff XXXX 's XXXX and that would get our DTI right under 45 % If we're under 45 % we can ask for an exception. We could collect the payoffs at closing so you dont have to pay them off prior to.

Please let me know if this is a n option.

( I immediately called her because I did not understand why Underwriting were still considering worst case when the worst case is a {$0.00} payment, also why would we pay $ XXXX cash at closing to pay off credit card debt, when it could all be wrapped up in the loan. I was so confused on what changed. ) XXXX XXXX @ XXXX My husband emailed and asked Ok how much do we have to pay out of pocket to get it down? 


XX/XX/XXXX @ XXXX I emailed Hello XXXX, I am not sure I understand what you mean about the 1 % her payment no matter what is going to remain {$0.00}. Maybe we can hop on a call? As far as paying off some debt that is an option as well. Please let me know when you have time to talk. 

( XXXX and I spoke about getting another letter and what else we could do to pay off the debts i.e. have the debt paid off through the loan at closing. We didnt have that type of cash laying around and wouldnt the bank rather us pay through the loan rather then using so much cash. It didnt make sense it is like we were being pushed between rock and a hard place. ) XX/XX/XXXX @ XXXX My mother emails over a third letter to XXXX to submit to underwriting. 
( I called and spoke with XXXX, she said that this last letter looked good, better then the other to that were submitted and that it should be a go. ) XX/XX/XXXX @ XXXX XXXX XXXX So I received feedback from the Underwriter regarding the student loan and he will not make the change. 

It is TD 's policy that any deferred loans, we have to include a payment of 1 % of the outstanding balance to qualify. We have to hit you with a worst case since the credit report itself isn't reporting an amount. Underwriting will not allow for the exception to use the {$0.00} payment as evidenced on your letter. I know this is not the answer we were hoping for. 

We do have the alternative/counteroffer to offer of paying off the 3 credit cards I previously mentioned ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) and XXXX under XXXX ) at the time of closing in order to get our ratios back in line to where they need to be. 

You guys can discuss it and then let me know how you would like to move forward. Or if you have any questions, we can schedule a call at your earliest convenience HERE. This link will allow you to sign up for a time on my calendar and I will call you at that chosen time. 


XX/XX/XXXX @ XXXX I replied Hi XXXX XXXX Thanks for getting back to us, at this point there is really nothing else that we can do other than to go with the next option and have the credit cards paid off at closing. We need keep the project moving and have to close as soon as possible. With that said, we are all fine with paying those debts off. Please let me know next steps and when closing will be scheduled. 

XX/XX/XXXX @ XXXX XXXX XXXX Hello XXXX, I have notified your processor XXXX and the Underwriter of the plan to pay off the additional debts. This will be sent back and reviewed by the Underwriter to make sure these are acceptable terms. 

The Appraisal is still outstanding so we wont be able to schedule a closing until we have one on file. 

XX/XX/XXXX @ XXXX I emailed Hello, Just want to confirm if Underwriting is aware of us paying off the debts at closing and if so how is everything looking moving forward? Again, thank you all for all your efforts, we really appreciate everything youre doing for us. 

XX/XX/XXXX @ XXXX I emailed again Good morning all, Just checking in to see where we stand on paying off debts at closing and off the appraisal is in? 
Thanks a bunch! 

XX/XX/XXXX @ XXXX XXXX XXXX Your file remains in the Underwriters queue for review. But good news the appraisal is in and a value of $ XXXX. See attached. 
( Our house should have been appraised for higher, being an experienced agent, we should have been over {$1.00} million dollars. I looked at the appraisal report and it didnt look right to me so I tried reaching out to the appraiser. I met her the day she came out to look at my home ( which is a new build at this point ). I called and got the owner he was IRATE that I called and very defensive and told me that it was against the law for me to call there and he was so upset and said he would still answer my questions. I apologized and explained that I thought it was ok since my and the appraiser spoke plenty of times before on the phone and met in person, I didnt mean to upset him. ) XX/XX/XXXX @ XXXX I emailed That is great news how ever the bathroom count is incorrect there are XXXX baths and Im not sure she included the finished attic space. How do we get this fixed? 

XX/XX/XXXX XXXX XXXX XXXX emails XXXX XXXX XXXX advise. 


XX/XX/XXXX @ XXXX I sent an email apologizing to everyone I am just going to apologize to everyone, I called what I thought was the appraiser because she called me a few days ago to ask some questions. I thought it was ok to try to reach back to her to see if she was aware of the 4th bathroom. The owner actually answered the phone and by his tone he was pretty upset with me for calling, however I do want to make it clear that I didnt mean any harm and thought it was ok to call only because she called me with a few questions a few days ago. 

XX/XX/XXXX @ XXXX XXXX XXXX I will review; and, advise ; but I think I received a change after the appraiser was told that all was set. 

XX/XX/XXXX @ XXXX I emailed Thanks so much I really appreciate everything you all are doing for me and my family. 

XX/XX/XXXX @ XXXX XXXX XXXX Good Morning! 
We haven't received any updates from our appraisal team ; so, I don't think that this has created any kind of negative feedback from the appraiser.

We did receive the appraisal ; and, I have sent that to you under separate email cover.

Your loan is currently pending review in underwriting.

We will update you once the file has been returned to us. 

Appreciated! 

XX/XX/XXXX @ XXXX I said Thanks a Bunch! 

XX/XX/XXXX @ XXXX XXXX email Good morning everyone, Just checking in, any word on closing? 
Thanks so much! 

XX/XX/XXXX @ XXXX XXXX XXXX Your file remains in the Underwriting queue for additional review. They still have to review and sign off that paying off the additional debt at closing will resolve our Debt to Income ratio challenge. 

Once the file is out, we should have a better idea how quickly we can progress after that. 

XX/XX/XXXX @ XXXX I emailed Ok great sounds good, thanks for the update! 








XX/XX/XXXX XXXX XXXX XXXX We received feedback from the Underwriter. Upon his review, he is counter offering the loan for the following : This loan has been sent for a counter offer to new loan amount {$580000.00} and the following debts to be paid in full at closing : ( X ) The XXXX XXXX ENDING XXXX, ( X ) XXXXXXXX XXXX XXXX, ( X ) XXXXXXXX XXXX  XXXX, ( X ) XXXX XXXX XXXX in order to bring Debt to income below 43 %. 

Please confirm if you accept the counteroffer terms. 

XX/XX/XXXX @ XXXX I emailed Is that after the HELOC and 1st Mortgage is paid? 

XX/XX/XXXX @ XXXX XXXX XXXX Yes. Those are already included as to be paid off. 

( Phone call to XXXX to explain if the credit cards will be paid through the loan at closing ) XX/XX/XXXX XXXX XXXX XXXX The additional bathroom is reflected in the room below grade count. 
Credit for square footage on the appraisal is XXXX ; which seems to be in line with the specifications provided. 

Hope this helps clarify, XX/XX/XXXX @ XXXX I emailed Thanks XXXX XXXX that definitely helps. 

XX/XX/XXXX @ XXXX XXXX XXXX Awesome thanks XXXX XXXX 

XX/XX/XXXX @ XXXX My husband emailed I got a merit increase this morning. Can you please add it to our file and let the underwriter know since it could help our application? 
Please let me know if you need anything else. 

XX/XX/XXXX @ XXXX XXXX XXXX Received and added to the file. Thank you! 

XX/XX/XXXX @ XXXX My husband replied Thank you XX/XX/XXXX @ XXXX I emailed Hi XXXX, Hope all is well, I called and left you a voicemail. Since we are moving into the weekend, I wanted to check to see if there were any updates and if there is anything else needed from us. 

Thanks a bunch! 


( I had spoken to XXXX XXXX ( XXXX XXXX XXXX ) on the phone about the 1 % worst case and how XXXX was saying that we would have to come out of pocket over {$50000.00} to pay off credit card debt. He was confused on why they would consider the worst case if we have a letter stating that it is {$0.00} payment. He was also confused on why she would expect us to come out of our pocket over {$50000.00} instead of wrapping everything in the loan. He agreed that it would be better to pay it over the course of XXXX. ) XX/XX/XXXX @ XXXX XXXX XXXX Sorry I missed your call! We actually just heard back form the Underwriter a little bit ago. 
Good news, upon the review of the {$0.00} payment for the student loan and XXXX 's merit increase, our DTI is back under 43 % with the original loan amount of {$640000.00}. 
@ XXXX, XXXX A can you please share what w are down to for the file? now that we dont have to do the payoffs anymore. 


XX/XX/XXXX @ XXXX I emailed That is great news, does this mean we have a closing date? 

XX/XX/XXXX XXXX XXXX XXXX Not yet. I've asked your processor, XXXX, to review the remainder of the file to see what is still outstanding. Looks like the builder might owe us a few things. 

XX/XX/XXXX @ XXXX I emailed Are you referring to the builder risk insurance policy? I did ask about that on XX/XX/XXXX. The builders insurance company said since he doesnt own the property that would be something that is covered by us. I never got an answer on that. Would it be possible to get the items needed to me that way I can get them this weekend? Everything else that was requested has been submitted, thats the only thing I can think of that was in question. 
Thanks a bunch! 

XX/XX/XXXX @ XXXX XXXX XXXX I've asked XXXX to review and advise at her earliest opportunity but I am not sure that update will be today. She is working some files in order. 
Regarding the Builder 's Risk piece, you would have to obtain a Builder 's Risk policy and we need a copy of it. the effective date for the Builder 's risk would have to match our closing date. we dont have a definitive closing date yet but the estimated date of XX/XX/XXXX is entered into our system. 

XX/XX/XXXX @ XXXX I emailed So we the home owners would have to request that from our insurance agency when we have a better idea for closing? Or should we do that now? Im hoping that we do not have to wait another 2 weeks to close, XXXX was told 2nd or 3rd week of XXXX. Please understand our frustrations at this point, this has been a roller coaster ride XX/XX/XXXX @ XXXX XXXX XXXX You can start the process of them drafting your Builder 's Risk. They could at least give you a quote until we have a firm closing date. 

XX/XX/XXXX @ XXXX I emailed Sounds good thank you! 

XX/XX/XXXX @ XXXX XXXX XXXX Good Evening!

Congratulations on your conditional loan approval! 

I will be working with XXXX to assist in moving your loan application to closing. 

This email will serve to breakdown information needed of yourselves to complete your credit package. 

I have emailed your builder for items needed of them. I do want to point out two possible issues here. I am unable to document that XXXX XXXX is currently a licensed General Contractor in the state of RI ( their business location ) ; or, MA licensing portal ( property location ) ; and, it appears that they filed their organization documents in RI XX/XX/XXXX ( does not meet our XXXX history requirement ). I will update you once we hear back from them as to these issues. 

I have also reached out to your settlement agent ( Law Offices of XXXX XXXX XXXX, PC ) with regards to the status of your title work. 

I have noted the following discrepancies with regards to the cost to build : o Cost worksheet in file dated XX/XX/XXXX that reflects {$550000.00} ; but, has not been signed/dated by the borrowers o There are 2 invoices in this file both dated XX/XX/XXXX with the following figure totals ( {$550000.00} & {$620000.00} ) o Contract states a construction total of {$250000.00} Please provide an addendum/revised contract section 2 that represents the correct construction contract total ( must agree with the cost worksheet ) I have also sent these notes to the builder. Please work with them to resolve these issues ; and, firmly cement the cost to build for this project.

I will be able to provide a more definitive asset update once I have the above numbers finalized ; but, do want to address checks found in this file that appear to be gifts. Please see the below observations ; and, advise so that I can provide you with more specific instructions ( if needed ). 

There are several checks found in the file that indicate potential gift funds ( XXXX XXXX  noted ; and, owner is XXXX XXXX XXXX XXXX ) I am attaching a gift letter just in case o {$29000.00} to XXXX XXXX on XX/XX/XXXX need a gift letter ; and, invoice o {$750.00} to XXXX XXXX for electric on XX/XX/XXXX ( subcontractor not listed on the cost worksheet ) provide a copy of the invoice/evidence that this is the electrical contractor ( added to the cost worksheet ) o {$22000.00} to XXXX XXXX  on XX/XX/XXXX ( nothing listed on the cost worksheet under this category ) unable to give credit for this as there is no itemization noted on the cost worksheet for concrete work Other requirements noted are as follows : Provide a written explanation of the following inquiries noted on your credit report including if any credit was established : XXXX XX/XX/XXXX. If credit was established, please provide a statement showing the current balance and payment. email reply is acceptable Please provide most recent mortgage statement " no older than 30 days from Closing '' verifying no late payments within 30 days of closing date ( XXXX ) showing due for the XX/XX/XXXX payment XXXX-provide a written statement from your landlord documenting your rent amount and the most recent 12-month payment history. 
XXXXProvide a letter explaining the reason your income decreased from XXXX ( {$46000.00} ) to XXXX ( {$36000.00} ) for XXXX INNOCENT with XXXX XXXX. email reply acceptable XXXX -PROVIDE XXXX TAX RETURNS ( to gross up Social Security income ) Provide signature pages of all tax returns for both borrowers ( first 2 pages ) Please plan to address these items no later than Friday, XX/XX/XXXX. You may reply by email for some ; and, upload the others to the document portal.

Please let us know if you have any questions. 

Appreciated! 

( A call was place to XXXX for more info, we were now feeling like we were not being taken seriously, first they had al the builders information back in XXXX when requested and no one ever once said anything about needing to be licensed in the state of Massachusetts and for at least 2 years. We had at that moment found that out through XXXX after being dragged around this entire process. It is like they were finding any reason the to give us the loan. The closer we got to XX/XX/XXXX our original closing date, the more they pushed back and found everything under the sun to provent it from happening. In this email right here XXXX XXXX is making up the fact the my husbands father gifted us money. He is not even part of this loan. She assumed that because I had my mother co-signing that his father was helping too? It is like they were coming up with anything to prevent us from getting he loan. Or any information regarding the product. ) XX/XX/XXXX @ XXXX husband replies Thank you for the update. I have a couple clarifying questions about the gift letter, all the checks were written for labor and materials for the project they were not gifts. 

XX/XX/XXXX @ XXXX I also replied Im think there is some confusion here, there is no father on this loan application. Those funds came out of XXXX and Is HELOC account, which is going to be paid off through the loan at closing. 

XX/XX/XXXX XXXX XXXX XXXX Builder 's risk requirements : Borrower 's full name Borrower 's full property address Loan number Premium amount Must be paid prior to or at closing.

o If borrower paid, we need a paid receipt or invoice to collect at closing. 
o If builder paid, we need proof the premium has been paid, the policy is in effect and the policy number. We do not have to know the premium amount. 
o If we can't get the builder paid XXXX premium amount the borrower can provide a post construction HOI quote and that will be used for DTI purposes. Coverage will need to be based on the estimated cost new on appraisal.

Deductible Coverage dates effective one-year policy and dates must be on or before the expected closing date Coverage amount At least the loan amount/cost to build ( as of mm email dated XXXX ) Evidence of wind and hail coverage only applicable if subject property is in NC/SC/FL Must state somewhere on the certificate/declarations page that it is a builder 's risk policy or that the property is under construction. If it states " Under Construction '' it also needs to specify that they cover the contractor 's equipment and materials as well as the house while under construction. 
TD Mortgagee Clause : TD Bank, NA XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX @ XXXX My mother emailed her paperwork and replied Please find attached my signed taxed for XXXX. Also attached is my rental ledger for the year confirming what I paid. 

( We were on the phone back and forth with XXXX XXXX trying to correct the our builders license situation, we were able to find a licensed builder through him and submit his paperwork quickly to qualify for the loan. We were also advised by XXXX to not change anything in the previous contract and that everything needed to remain the same, so we didnt have to repeat the process. ) XX/XX/XXXX @ XXXX My mother emailed I have submitted my taxes information last week. I also explained the my pay decreased because I work XXXX per week, not XXXX, as I did before. I will resubmit my taxes again. Thank you, XX/XX/XXXX @ XXXX My husband replied I just uploaded the paper work you needed from XXXX XXXX XXXX XXXX let us know if you need anything else. 
XX/XX/XXXX @ XXXX XXXX XXXX Thanks! I'll take a look ; and, let you know. 
( At this point we have been on contact with XXXX by phone and she was explaining to us that at this time out rate lock would be expiring the following Tuesday and that we she would let XXXX XXXX know and that we should contact her that day to ensure to put in for a rate lock extension and that there would be a fee. I immediately told her that I would not be paying that fee because we were very prompt in getting our paperwork in and that most of the delays could have been prevented on their end. ) XX/XX/XXXX @ XXXX I emailed I hope you had a great long weekend, per our conversations with XXXX our rate lock is expiring today and we would need to do an extension, can you help us with that please? 
Thanks so much! 


XX/XX/XXXX @ XXXX XXXX XXXX Yes, I will be extending and will let you know once it is completed. 
Thank you, XX/XX/XXXX @ XXXX XXXX XXXX XXXX rate lock has been extended. 

XX/XX/XXXX @ XXXX My husband Good afternoon, I just wanted to check back in before the weekend to see if you '' ll got all the forms you needed and if there was an update on a closing date? 

XX/XX/XXXX @ XXXX XXXX XXXX XXXX Thank you for your email. At this time, it looks like we are still waiting on the title work to come back and I dont think I saw the below from XXXX XXXX last email : Here is a list of items needed from your new GC : Copy of MA GC license Evidence GC has been in this line of business for 2+ years ( may reflect on the license ) Completed/Signed/Dated XXXX Certificate of Liability to include : o Description of Operations to reflect : XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX # XXXX o Certificate Holder to reflect : XXXX. Bank, XXXX, XXXX, XXXX XXXX XXXX, XXXX, OH XXXX Evidence of Workman 's Comp insurance ; or, evidence of exemption Have those been sent? 

XX/XX/XXXX @ XXXX I emailed- Yes they have all been submitted last Thursday I believe. The title work should have been in I spoke to the attorneys almost 2 weeks ago and they said that the title work was never originally ordered back in XXXX and that it would only take a few days to come in and it has been well over a few days. Please let us know if youd like for us to reach out to them. Thanks a bunch! 

( Title was never ordered as they said back in XXXX per the Closing Attorney, which is another delay by the bank. ) XX/XX/XXXX @ XXXX XXXX XXXX Looking back on my emails the last email I have from XXXX at the title company is from XX/XX/XXXX. She asked XXXX for owner of record information and we havent r