Consumer complaint received 2024-01-03
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: FIRST CONTINENTAL MORTGAGE LTD (TX)

Good afternoon, I was asked to contact XXXX due to my horrid experience with our first time home buying with Brightland mortgage. From start to finish the experience was terrible. Initial we were shopping around for our first home and was very excited to do so. Brightland is also the builder of the homes in our community. We were told while viewing the last XXXX homes in the community that they would go fast and we needed to make a decision quickly. We viewed the home of the XXXX of XX/XX/XXXX. We were told we needed to hurry and send the XXXX money to hold the home for us. By the XXXX we sent over the XXXX with a request to see what the numbers would look like for us. This communication was through XXXX XXXX. She also informed us we would have to go through their lender in order to get the incentives and have a XXXX XXXX interest rate. XXXX XXXX was our mortgage agent. We went days of calls, text, emails with no response on any possible numbers of what we should be expecting for our mortgage or to lock in that XXXX XXXX interest rate. I finally called XXXX to inform her that we were getting no response. Within minutes XXXX called me. Laughing asking had I been trying to reach her. Then she scrolled through her call logs and noticed she had gotten my messages and calls and laughed it off. I asked about the interest rate lock in she informed me that the interest rate is then at XXXX XXXX  and she would be able to lock that in. I refused and said I had been calling to get the XXXX XXXX and she then informed me I would have to take XXXX XXXX and she would have to get her manager to approve it and that was the best she could do and then laughed again and asked or would I like to gamble and see if its goes down tomorrow and then she chuckled saying or it could go up. So we were forced to take what she presented us. Then I had to request numerous times for the numbers then once she finally returned a call or text told us we were looking at XXXX a month and gave us a home insurance company to us. XXXX - XXXX XXXX was nice at first, but when I informed him we were shopping around for something lower than what was quoted he unleashed an email full of red highlights explaining things like we were idiots. We went along with it because we felt we had no choice. While this is going on we are having our walk throughs with the builder XXXX there were a few things we found rushed and half done the garage wasnt flush against the paneling which created a gap. The paint job that was done was terrible there were chips in the wood that was painted over. Base boards that you could blow away. The sink is dented. The cabinet drawers in the rest room were crocked, the air filters were never changed. We were told to sign and they would fix it and stay in touch to make sure things were done correctly. They reassured us they would come fix things we found. My personal inspector said the XXXX unit was too small for this house they came back with all the house have this size. They did paint and came to fix the garage. But no one would tell us who and when these people were coming. Strangers were walking to my door or just working on the garage randomly. That was scary. When we would call for things that shouldve been done like we agreed too we weee told to contact the warranty companys. We were so hurt and lost. Then after numerous emails and text and calls. We finally received our finally numbers of XXXX or something from XXXX. I cried when she gave me those numbers there was no way and or closing date was that Tuesday XX/XX/XXXX. She informed me I believe that Friday of our finally numbers. I explained to her there is no way and I had been trying to contact you and you wouldnt answer. Then she tells my its the insurance thats killing us. So I tried to find a different one. I got in contact with another insurance company XXXX XXXX at greenway. She ran some number and had a little lower rate. So I said lets do it in doing that XXXX called I didnt answer because I was still on the phone with XXXX. Then I received a text message from XXXX asking was I on the phone with XXXX. I had no idea they knew each other turns out they were good friends. Then some how the rate I received was no longer valid and I had to go with the insurance XXXX told me to go with. The day of closing our closing agent was asking questions or asking did we know about this or that and we had no clue how our money was finessed to make this deal happen. She tried to explain things to use and by that time anything we wanted to negotiate was out of the question. We are beyond hurt and trying to love this house but the experience has made us quite bitter and struggling to eat and provide for ourselves. We dont want to be in financial ruin but we are headed there. 


Thank you, XXXX XXXX If there are any questions please feel free to contact me.