Consumer complaint received 2019-04-25
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Geneva Financial, LLC, Chandler, AZ Branch (ID)

We had found the perfect home for us when we visited XXXX   XX/XX/2019 and made an offer. The sellers accepted our offer and we were put into contact with a loan officer who works for Geneva Financial XXXX XXXX. Things were going well at first, documents were provided as XXXX XXXX had asked for them. We officially moved to XXXX XX/XX/2019 and lived in a studio while our home was in escrow. Our home in XXXX was also on the market. We continued to provide documents to XXXX XXXX for the VA loan that we went with. Our home in XXXX sold and closed early XX/XX/2019. We had informed XXXX XXXX that we were putting $ XXXX down on to this new home as a down payment. We had been informed by XXXX XXXX that our home here in XXXX  would close the follow day, not to worry as he had it covered. XXXX XXXX did not complete the loan as promised, he did not lock in our rate with the VA, he did not get the appraisal out on time. It would take him hours to days to respond to text messages from us. He would make every excuse in the book not to get back to us. We finally had to get his boss XXXX XXXX one of the 2 branch managers of Geneva Financial involved to get things done. Thinking this would be handled and we would be able to close on time. We explained the situation and how this loan should of not taken this long to close. XXXX XXXX insured us he would handle this and it would be completed in a timely manner. Almost 2 weeks had passed and we finally got the green light to go to title to sign our papers to close. My husband and I arrived to sign our paperwork, upon reviewing it within 5 minutes of sitting down they were WRONG. They wanted almost {$2000.00} more on the day of signing by check. XXXX XXXX was contacted and was asked to make this right for us as it should not take this long and have these many problems to close a home. XXXX XXXX stated legally he can not do anything but change the documents to add the $ XXXX into the sales price of the home and issue the CD all over again. My husband & I asked for his fees to be reduced, as this should of been caught way before the day of closing. He again stated he will not do that legally. His hands were tied and he made it quite clear it will not happen. He resubmits the CD same day. We review the new paperwork at XXXX and again it is wrong, the $ XXXX we wired as a down payment was now reduced to {$29000.00} and the house payment had increased. He rudely asked if he should cut us a check for the difference in the amount of {$6.00}. XXXX XXXX was again called and his response was that the VA will not allow odd numbers and there are a lot of moving parts on this loan. LIES as we have had a VA loan in XXXX. Again he was asked to reduce his fees not the federal fees but his broker fees to make this right with us. Again he refused and would not do this. XXXX XXXX is NOT an upstanding business individual. He is a disgrace to this company and to his church. If this is how he treats people at work and in is church stay away he is toxic. He does NOT have your best interest at heart. He is all about the Money.  He even overcharged for a credit report. 
He had the nerve to text me the day of signing our paperwork stating that he knows I am frustrated but we could be good friends if I could get past this. No I do NOT need friends like this in my life. I DO NOT RECOMMEND ANYONE TO DO BUSINESS WITH GENEVA FINANCIAL. They will not get things done in a timely manner unless you have months to wait.