Consumer complaint received 2021-06-28
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriFirst Financial Corporation (MI)

I applied for pre-approval of a mortgage loan through AmeriFirst on XX/XX/2021. I began interactions with XXXX XXXX of AmeriFirst Home Mortgage on XX/XX/2021 as AmeriFirst would need more information to begin looking into the home mortgage process for me. We began our interactions on the phone, but I prefer to communicate through email. Ms. XXXX emailed me information about starting the home loan process, with links with more information and the email was titled " We're here for you. '' I followed the links in emails from AmeriFirst, read the information, and had some questions. I emailed Ms. XXXX my questions. I never heard back from her, but her assistant, XXXX XXXX, emailed me a list of " Needed Items '' to get started on the mortgage process. I responded to Ms. XXXX that I was awaiting a response from Ms. XXXX, and included the same questions I had emailed Ms. XXXX, just in case Ms. XXXX could answer them. Ms. XXXX responded in a confusing way, so I rephrased my questions for clarity. Again, Ms. XXXX did not answer my questions, so I tried calling Ms. XXXX. There was no answer, and Ms. XXXX was getting more confusing every time she responded. So, I found a number for AmeriFirst and called for help. The number I found seems to have just been a generic number for the company, as when I called, it seemed like an automated greeting. Once I got ahold of a person, I told them I was hoping to talk to someone who could answer some questions for me, because it seemed like Ms. XXXX was instructing me to do the opposite of what Ms. XXXX had said in the only email Ms. XXXX had sent. 

As I was having a hard time getting through to Ms. XXXX or Ms. XXXX, and they seemed to skirt around my questions, I requested a new loan officer. The person I spoke with said they were adding notes to my file and would transfer me to leave a message about what I had been experiencing, and I would hear back from a new person. Instead, I received an angry call from XXXX XXXX on XX/XX/2021, with her saying " Why'd you make a complaint about me?! '' I explained everything as I have written, she insisted she never received my email. In fact, she insisted I resend her the email right then over and over while saying she wasn't getting it. I gave up, explained her attitude was specifically why everything up until now was in writing in emails, and she could refer to those for why I was going to another loan officer. I requested she transfer me to another person, told her I did not appreciate her yelling at me when she was the one who failed to respond to communications, and she just kept insisting it didn't matter anyways, she couldn't process a mortgage for me. She said none of my income would qualify for even " {$30000.00} and you can't buy a house for that. '' I told her I know, I was hoping for {$80000.00}, and she said there was no way. She even gave me 2 numbers of Rural Development to call, saying there was no loan I could apply for that I would be approved for through AmeriFirst. We ended the call after 25 minutes, and she told me to let her know how it works out with Rural Development. I never completed my application for a mortgage with her, because she insisted she could do nothing for me. 

On XX/XX/2021 I received a Statement of Credit Denial, Termination or Change stating that my requested credit of {$40000.00} had been denied, dated XX/XX/2021. 

So after our call, I suspect in retaliation for the complaint she thinks she got, Ms. XXXX applied for a {$40000.00} mortgage with the information I had sent her and got me a denial. Knowing we had ended our business, knowing it would be denied, knowing I was going to try through a different loan company, she pushed a mortgage application through with my information and without my approval. I would never apply for a {$40000.00} mortgage as a different company already discussed offering me {$50000.00} before I spent a year significantly improving my credit score. According to the Mortgage Loan Options resources from AmeriFirst, the actions of Ms. XXXX would harm my ability to be approved through a different mortgage company because of recent failed mortgage applications.