Consumer complaint received 2016-11-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: American Lending LLC (FL)

I applied for a mortgage w/ a Broker and they submitted my loan to American Lending in California XXXX The whole process they did not know what they were doing but I was unaware of it till they required me to get extension on my contract several times. We were advise once that we were able to close but the title company would n't allow because they sent me a CD but I was not willing to sign it because it was incorrect. I finally signed the incorrect XXXX or they would not allow me to move forward. Every document they asked for was sent that day or the following day without delays. I also had to pay for an appraisal and rush because of their delay and I did n't get refunded for the rush portion because it ended up not being a rush. During this process I was being misinformed about everything and even asked about rates and was told I was locked in when I did n't not agree to locking the rate. My only option was to continue or back out loose my earnest money deposit and upfront fees I have already paid and loss the house of my dreams. I was not happy about the charges the lender charged me and was also advised from the beginning with the XXXX that that is worse case and definitely would n't be that high but they wanted to protect themselves. Well, the fees they were charging for orginiation and underwriting never changed. I had XXXX delay also because they forgot to order a survey and yet again a rush was done which occurred an additional cost at my expense. I have emails sent to the lender and the broker regarding some of this but then they would only speak via phone or not at all. The last thing is I have never received a copy of my appraisal report that was paid prior to closing by my boyfriend. At closing, I was advised I need to sign saying I received 3 days prior or again I would not be able to continue further and I advised I was not ok with it. This issue with this process being delayed several times was on behalf of the lender only and due to the delays I had to make arrangements where my family would live because my house was rented out for XXXX XXXX. I would never want anyone go through the issues I did and be stuck with this lender or they loose the house of their dreams. Not to mention the cost I occurred for the fees they charged I would be corrected, the rate I never agreed to lock in at but they would n't never give me any other options, the XXXX appraisals I paid for, the survey that was last minute and a rush charge was occurred, and the special arrangements I had to make with my renter for pushing the date back so I had a place to live with XXXX children, and the time we lived out of boxes because we closed XXXX/XXXX/16 and closing was set for XXXX/XXXX/16. So if you can please also assist with me getting a copy of my appraisal that they are not in compliance with and I can imagine other things they were not in compliance with also that would be appreciated. I would love to be compensentated for some of the charges that should have not happen and due to their lack of knowledge with the laws and my headaches I believe some compensation should be done. 

I can provide email communication if need be of the conversations via email but again it is limited.