Consumer complaint received 2016-10-10
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (OK)

Hi. There, I am a XXXX in XXXX. 
Before I was XXXX, when I was in XXXX, OK where I reside, I decided to apply for refinancing my house because I am paying 8 % interest rate for the last 16 years. I started my refinancing loan process with Quicken Loans. Quicken Loans asked me many questions and when they found out that I am going to be XXXX, they asked me to provide them the copy of my contract from the employer as part of the assurance that I have a job or job offer. 
During the course of refinancing, I was told that Quicken Loans will get me HUD loan and I paid some fees and loan refinancing process was started. The Quicken Loans asked me to provide the XXXX pay stubs and I explain them that I will be able to provide the pay stubs in one month because I have to be XXXX there and receive the pay, which the Quicken Loans agreed. When I arrived in XXXX, XXXX. Due to XXXX I was required to travel on location where there is no internet and I could n't submit my XXXX pay stub and the Quicken Loans stopped the process in the middle and rejected my refinancing application. 
When I returned from the mission they said since, I could n't provide the pay stub on time therefore, they had reject my application. Since, I submitted the latest pay stubs upon my return XXXX, the Quicken Loans restarted the loan refinancing process and this time they told me that they will get me refinance for FHA loan. 
All the process was started once again and they told me that when I will be returned to the USA and sign the loan ( I told them that I will not return until XX/XX/XXXX per the XXXX contract ), So, they could close the loan by XX/XX/XXXX or XX/XX/XXXX. I told them that I can come to a nearest embassy to sign off the loan and they agreed and said yes that is possible. I requested them a ten days advance notice because in Military establishment we have to follow the military rules and ca n't just go on time off. I have to abide by the US military rules and give at least a 10 days advance notice to my Military commander for time off. Quicken Loans now started playing games with me and once they told me that underwriters are working on the loan and they take their time and it will not be possible to have the loan signed by XX/XX/XXXX or XX/XX/XXXX. I told them I am not asking to close on XX/XX/XXXX or XX/XX/XXXX but I am asking to close the loan by XX/XX/XXXX. They said yeas that is possible and kept me in limbo. Once they said yes go ahead and get ready and there is a possibility that we can close the loan by XX/XX/XXXX. I gave a ten days notice to my Military commander and he approved my time off for three days to go to XXXX, XXXX to sign off the refinancing loan. When the Quicken Loans heard that I got approved for the time off and travel they said that underwriter say that you have more than 6 months unemployment on your record and therefore the refinancing ca n't be done. I provided them all the proofs that I was employed or working then they came up with reason that they were in the impression that I am XXXX and as a matter of fact I am not. Therefore, Per the FHA guidelines I am not eligible for refinancing. When I reviewed the FHA guidelines and found that I am eligible for the refinancing for FHA loans and decided to file this complaint at your office.