Consumer complaint received 2020-03-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (NV)

On XX/XX/XXXX at XXXX, I was searching for a home on XXXX on my phone through the XXXX app. 
I expressed interest on a showing of a home XXXX XXXX, XXXX XXXX, NV. I was contacted by a realtor named XXXX XXXX from XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NV XXXX. She scheduled a showing for me with XXXX XXXX, another realtor with XXXX XXXX  XXXX, for XXXX on Saturday, XX/XX/XXXX. XXXX showed me that home and others. XXXX XXXX recommended me to her lender XXXX XXXX to get a pre-approval. 
I met with XXXX XXXX from Cross Country Mortgage on XX/XX/XXXX at XXXX. When I met with XXXX, I brought the financial information she requested : A copy of my ID, my 2 most recent paystubs, my last two years tax returns, and my 2 last bank statements. When I spoke to XXXX she asked me about my expenses including any car payments. I told her I did have a lease on my car for which I paid {$350.00} a month. XXXX ran my credit and said my score was XXXX and that I qualified for a mortgage loan with the Home is Possible Program. XXXX XXXX said that I would need 3.5 % down payment. It was discussed that my mom would provide gift funds toward the deposit. XXXX XXXX pre-approved me and offered me several scenarios. If I purchased a home for {$220000.00} vs {$200000.00}. The realtors XXXX and XXXX from XXXX XXXX  XXXX continued to show me homes within that price range. On Sunday, XX/XX/XXXX, XXXX showed me the home I would place an offer on : XXXX XXXX XXXX, XXXX XXXX, NV XXXX at XXXX. I was persuaded and pressured by realtor XXXX XXXX to place an offer immediately on this home. The offer was placed on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX, realtor with XXXX XXXX, put a lot of pressure on my mother, XXXX XXXX XXXX, and I to transfer a {$2000.00} Earnest Money Deposit by electric wire through XXXX XXXX. On XX/XX/XXXX, my mother went to the bank and transferred {$2000.00} gift Earnest Money Deposit to the account XXXX XXXX gave her. On XX/XX/XXXX at XXXX, an inspection was performed on the property XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX which my mom paid {$250.00} for. On XX/XX/XXXX my mother also paid {$550.00} for an appraisal of XXXX XXXX XXXX, XXXX XXXX, NV XXXX. On XX/XX/XXXX, I was told that I needed an extension of the closing date to XX/XX/XXXX. XXXX XXXX, the lender, had failed to accurately portray on the loan application my employment gap and this caused a delay in the whole closing process. On XX/XX/XXXX, XXXX XXXX pressured me to sign an addendum to the residential purchase agreement that released my earnest money deposit, {$2000.00}, to the seller. I was told on XX/XX/XXXX that escrow would close on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX contacted me to tell me that the loan wasn't approved but I could qualify for the $ XXXX/10 % grant program and wanted to run my credit again. I told her that her dishonesty had caused me and my family a lot of stress and pain and that I was not willing to work with her anymore. I am filing this complaint against XXXX XXXX, the realtor with XXXX and XXXX, XXXX XXXX, another realtor with XXXX and XXXX, as well as XXXX XXXX, the lender with Cross Country Mortgage, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX. XXXX was very pushy and manipulative from the very beginning and didn't protect me from losing my earnest money deposit of {$2000.00} which was gifted to me by my mother, XXXX XXXX XXXX. XXXX XXXX, XXXX 's lender, gave me a false pre-approval for a home mortgage loan. My credit score was never high enough to qualify for any home mortgage loan. Both XXXX and XXXX wasted my time, gave me false hope of home ownership, caused a lot of grief and chaos to me and my family, and cost me my earnest money deposit of {$2000.00} which was a gift from my mother, XXXX XXXX XXXX. My mother also paid the {$550.00} Appraisal Fee, and {$250.00} home inspection fee. In total they caused me and my mother to lose {$2800.00}. In addition to losing {$2800.00}, I had to find another place to live because I had to move out of the apartment I was living at because they told me to give a 30-day notice to vacate. I initially gave a 30-day notice in XXXX for move-out on XX/XX/XXXX because that is when the escrow was supposed to close which was what XXXX XXXX had promised. Then I had to ask for another extension to move out to XX/XX/XXXX, and finally another extension to move out on XX/XX/XXXX. My manager said he could not extend the move out any longer. I had to move out and find a place to live by the end of XX/XX/XXXX. So both me and my family were in a panic trying to find a new apartment and move all of our belongings. Not only did we lose {$2800.00}, but we had to pay for a new apartment and had to spend more money in moving costs. XXXX, XXXX, and XXXX 's greediness also cost a strained relationship with me and my mother because my mom had gifted me the {$2000.00} + {$550.00} Appraisal fee + {$250.00} home inspection fee. They caused my mother financial hardship as well as she is senior and not working. XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), and XXXX XXXX NMLSXXXX are greedy, soulless people, who caused a lot of stress and pain to my family. They did not protect me, my family or my assets. They pushed, manipulated, and lied to me and cost me not just money, but time and they caused a lot of hardship and stress for me and family. I want them to pay my mother the {$2800.00} back that they cost her plus my moving costs and restitution for the time and hardship they caused me and my family.