Consumer complaint received 2021-01-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC (NY)

On XX/XX/XXXX I started the loan process with Movement Mortgage for the property XXXX XXXX XXXX XXXX with a Due Diligence date of XX/XX/21 and a closing of XX/XX/21. I was assigned to XXXX XXXX-Mortgage Lender License No. XXXX. During the process I made sure to respond and fulfill all requests from the underwriter XXXX XXXX -NMLS XXXX. I was asked to prepay for an appraisal, which I agreed to. Funds were requested on XX/XX/XXXX, I post dated the payment for XX/XX/XXXX. The funds were received and I was told I would be informed when the appraisal would take place. It was then requested that I provide proof of employment, which I provided. I was told the letter was insufficient. They were requiring that the letter state I would work remotely indefinitely. So I contacted the corporate HR office of my employer, XXXX to see if I could get a customized letter to state this. After two days, the legal team stated they could not use that verbiage due to liability, but they would provide an additional letter to further convey my continued employment. I submitted said letter, and this too was denied. I offered to schedule a time to does with HR, but was told it wasnt necessary. I then began applying to positions locally as a second means of income to meet this unusual requirement. On XX/XX/XXXX I had the aforementioned property inspected and received the report 2 days ago. I sent XXXX and XXXX an email informing them that I had in fact met their requirements. XXXX scheduled a call to talk out what they wanted-still a letter that says I will work remotely indefinitely. I asked about the results of the appraisal since I still had not received any information and I was 6 days from DD. I got a text from XXXX the next morning that said The appraisal has not been completed yet. They have not found an appraiser willing to complete it, 10 have declined it thus far based on location. I then asked why was I not informed about this. I immediately contacted my agent, XXXX XXXX. She too did not understand why this key piece of information was conveyed. XXXX said that their office had an Appraisal team that scheduled the appointments and that they would keep trying. I then asked her to call my husband since I wasn't getting anywhere. The conversation elevated due to XXXX lack of professionalism. The entire conversation was her yelling and speaking over everything he said. He informed her that we would like a full refund from the appraisal and that we would find out own. My husband disconnected the call when she became elevated again. She then texted me that my refund would be processed and my application canceled. I then followed up with an email that stated : Please consider this correspondence as the termination request of any past agreements regarding the potential purchase of XXXX XXXX XXXX XXXX XXXX NC XXXX. 

XXXX then immediately replied via email : Your denial letter should be to you in the next 24 hours for your records. 

This was not a denial, but a severance of any business relationship. I take that as a threat. The sentence in my opinion conveys malice and intent to do harm to my credit history. 

I have since received a letter from them stating denial of the loan based on income. That is not the case. I was pre-approved by the same company. My income and employer have not changed. 

These actions and behaviors are unacceptable. This impedes on my ability to purchase a home in the future. I would like this matter investigated thoroughly. I can provide an documentation necessary. 

Thank you in advance for your time and help regarding this matter. 


Best, XXXX XXXX XXXX Sent from my XXXX