Consumer complaint received 2016-02-02
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CITYWORTH MORTGAGE LLC (PA)

Last XXXX I contacted City Worth about making a mortgage loan. In the XX/XX/XXXX I was already signing the Disclosure, then they sent the appraiser and I spent {$450.00} for the first appraisal. But due to having inground pool the FHA regulation requires it to be filled with water or fenced off. So I built a temporary safety fence around the pool. 

XXXX XXXX they finally did the final inspection I paid {$100.00} and did the closing disclosure again. 

XX/XX/XXXX they said they are awaiting for Tax Certification from the title company. 

XXXX XXXX they submitted the completed package to Underwriting. 

XXXX XXXX I was informed that I can not make the loan because I did not reside in this house more than a year. ( with that being said it was the loan officer responsibility to let me know before I paid for appraiser and spent 3 months with the bank on the loan and not being able to get the loan ). 

XXXX XXXX they decided to back off the loan and told me to wait until XXXX XXXX which is the day I purchased the house. 

In XXXX I contacted the loan officer to get the paperworks ready so we can close as soon my one year residence comes up. I was asked if I want to keep all the numbers the same and they said they only needed to update the file since I already spent 3 months with them handing them all the informations they needed and was close to closing the loan. 

XXXX XXXX I singed the Disclosure again but was ordered to have appraisal come to update the value due to time being so I paid {$200.00} to update the appraisal. 

XXXX XXXX the loan officer said we will be wrapping up 5-8 days from submittal. 

XXXX XXXX I signed another disclosure but made some changes so I signed another closing disclosure on XXXX XXXX. I was told we will close before XXXX, then again was told we will close 5-8 days from submittal on the XXXX of XXXX. 

XXXX XXXX due to some changes I had to sign the closing disclosure again. I was told we will close before XXXX holidays. 

XXXX XXXX he emailed me and he said, " due to a clerical error and time elapsed, we are sending someone else out to your property. It will be taken care of, and you will not be paying for this portion. From our records though, it shows that you had not sumitted a payment for the updated version from last month. We will need that portion to be paid for or added in the loan. A very frustrating ( again ) conclusion to this, as a new Appraiser needs to take over due to the previous one being unable to complete. Let me know if you have any questions and we will be getting this wrapped up as soon as possible. '' ( thats from the loan officer ) XXXX XXXX the appraisal company report was submitted and reviewed. 

XXXX XXXX appraisal company billed me {$240.00} and I had to pay that portion before they can relase the file. 
Email from the loan officer : " I have been going back and forth with the Appraisal company on having that report released, we will need that to be paid before they will release the file. We have paid our portion, and unfortunately since they are requesting payment prior to release, we can not put that fee into the loan as it needs to be paid now. Let me know if you have any questions, or if you would like to direct them to the card that you have used previously. '' ( they told me they are covering the charge so I paid {$240.00} ) XXXX XXXX I signed the closing disclosure again. 

XXXX XXXX Signing agent came to my house to sign the closing, during that time the loan officer emailed me the Loan Estimate dated XXXX/XXXX/XXXX which I never got until XXXX/XXXX/XXXX the day of closing. It was supposed to be done days before any Closing Disclosure that I signed since XXXX. ( I have all the emails me and loan officer shared since day 1 ) I asked the loan officer for his supervisor number and name he said he will call me the next day. Til this point I never got his number or his call.