Consumer complaint received 2022-11-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC (PA)

On XX/XX/XXXX, an attorney requested the Pennsylvania Bankruptcy courts for a XXXX stay on the sheriff 's sale of my elderly parent 's home as a cause of the pandemic their business closed permanently. Then my father had a bad side effect of the vaccine which added additional costs medication {$2000.00} out of pocket every month health for an XXXX man and XXXX wife my mother and father. So I had 90 days to find a mortgage apply qualify approve and close all before the XXXX stay on XX/XX/XXXX XXXX XXXX Sheriff sale. With no time to spare we settled on Monday, XXXX the XXXX at XXXX XXXX XXXX I was referred to Movement Mortgage, by XXXX XXXX I believe he is the owner of the franchise Movement is a bank, broker, and lender. XXXX started the process immediately however I was well prepared with my documents so in no time we progressed quickly. By the third of XXXX, a woman by the name of XXXX had called me introducing herself as the Title company and what she said was textbook straightforward, she said she was going to pull the title Check for liens, then prepare a pre-title report. and distribute one to me as the buyer and one to my parents as the seller. XXXX said that she would call me back as so as the report was done so we could review then make decisions on it validation and correctness. A month passed and the mortgage loan assistant XXXX called me and said that we would have to raise the mortgage amount because of tax liens and let it as that. So I request a copy of the pre-title report promised to the seller and buyer a month prior. I did not receive the report nor did my parents and no call came either from XXXX. XXXX called me and asked if I knew anything about a second mortgage so I told her I would look into it and I asked for a list of all the liens that were changing the purchase price from {$300.00} to {$390000.00}. XXXX came and went still my request to know what I was paying for was denied. I asked XXXX XXXX XXXX while I was totally burdened with work to finish I started to complain about a {$4100.00} Price tag for Title and she has not delivered as promised, The owner XXXX was no help he would yell, and raise his voice if I didn't produce documents fast enough yet my only request was for the title company and mortgage company to full disclose important information regarding the loan amount that now jumped to {$390.00} plus {$18000.00} due at closing. Well, XXXX finished out and underwriting gave the green to close on Thursday Monday was the day to settle. On Friday I spoke with the loan Assistant XXXX and I said I demand that you give me the pre-title report I want to see what's going on The amount was {$73000.00} that I had requested and taken out on loan to pay back and still had no idea what I was paying for! XXXX the loan assistant told me that she would send the liens to my email address on Friday afternoon which she lied to me about. Still Monday morning now the day of settlement The title agent emails and states that if the liens are not paid we will Lose the house to XXXX XXXX XXXX XXXX and XXXX state the same and tell me not to worry about the liens I can come back to them later. Now it's XXXX the XXXX 2 months 3 weeks had passed from the original conversation that I had when XXXX called from Clear to close the Settlement company in XXXX Pa when she informed me of the procedure and protocols it's the law to disclose the findings of the titile company that I had to Pay {$4100.00} because no matter how many times I said I didn't want the additional owner insurance they refused to take that off the settlement sheet after numerous request. {$1200.00} The corporate office in South Carolina did my underwritten and XXXX was the processor. Movement Mortgage had already charged me a percentage for the loan amount underwritten was include however I was billed {$990.00} regardless of how many times I asked to have that removed, I finally received the liens 5 of them via email at XXXX ; XXXX just XXXX minutes before the title clerk arrived. The last lien for XXXX XXXX of {$48000.00} was received XXXX hours after the settlement had ended Via email. Monday afternoon I asked XXXX if my attorney had picked XXXX for the title because he was the only one I gave permission to hire a title company complaining that she fail it disclose {$78000.00} in Liens to myself and both my parents we were held hostage we had no rights what so ever. and we did not receive due and timely notice The {$48000.00} second and all the liens would have come off if we had the opportunity to address them with the bankruptcy attorney because in XXXX my parents sold a commercial building that had sold with a larger surplus! At The XXXX XXXX sheriff 's office in XX/XX/XXXX Im also complain that the surplus was taken no monies were given to my parents I was the under bidder it sold for {$330000.00} with {$210000.00} covering all the liens secured and seconds the {$48000.00} XXXX XXXX is mentioned in XXXX XXXX as {$000.00} on line XXXX and line XXXX of XXXX XXXX  my parents are in. Two days after Closing I spoke with the Owner of the franchise movement mortgage located in XXXX XXXX Pa XXXX on XXXX XXXX. XXXX XXXX said and I quote '' we were worried that your parents and you were going to lose the house by sheriff sale if we would have given you the lien information. You can address that later. That is a poor justifcation for these 3 working together all the time and they have abused 2 elderly adults and have refused us our rite to disclose information and give us the due process of the law acted discriminatly.I believe since the ability to address {$71000.00} in liens was never given to use myself and parent 's I believe the three who worked together and held us up giving us no choice but to pay or lose the house, they should be made responsible to pay all the liens for taking part in something so unethical. We expect some return cash out of settlement that I already committed for my parents and we feel robbed violated and cheated these people, bankers and title company should me made responsible thank you.