Consumer complaint received 2022-02-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WILLOW BEND MORTGAGE (TX)

I was misled and manipulated by Willow Bend ( XXXX XXXX ) and XXXX XXXX ( XXXX XXXX ). When we were getting ready to close XXXX XXXX was telling me to give XXXX XXXX extra money on the side but to not let the people at XXXX XXXX know I was giving him money on the side. XXXX submitted one contract to the title company but made me sign another contract that she said no one should know about. I was told that if I did not give this money on the side they would not let me close on my home. 
XXXX XXXX was asking me to pay their taxes on this home when that is not my responsibility because we hadn't closed on the house yet. He would say if I did not pay the taxes he would not sell me the home. They did everything they possibly could to make sure I did not close on my home. When we started the process, I wanted to go to a Mortgage of my choice but XXXX XXXX said he would not sell me the home unless I went to Willow Bend because he only works with XXXX XXXX. They did not let me choose who I wanted to go with. 
When XXXX started saying she couldnt close me, I had told them I wanted to leave and go with someone else. XXXX XXXX at Willow Bend did not let me leave and go somewhere else because she said she had done so much work for me. I stated many times I wanted to go to a different mortgage. They did not let me leave Willow Bend for four months they made me stay with them. 
I went to another mortgage company XXXX XXXX XXXX and I have been approved to close. XXXX XXXX keeps saying its my fault that we have not closed but we are waiting on him to sign a new contract through our attorneys. I have already sent them several XXXX approvals from under writing stating that we are ready to close. 
We started to build the home in the summer of XXXX I was approved for the home before we even started building. I picked everything out because I thought this was going to be the home I would spend the rest of my life in. But these people have made it impossible and such an ugly experience I do not want anyone to ever go through what I had been through. 
We are currently suing the companies involved but the other day in court XXXX XXXX was asking for me to pay the taxes on the house in front of the judge. XXXX XXXX also said in court through his attorney he would not sell me the home if I did not drop the law suit against Willow Bend. XXXX XXXX blackmailed me right in front of the judge through his attorney and the judge did not say a word to that. 
The original price of the home on the original contract was {$260000.00} plus extras of {$28000.00} that equals to {$290000.00}. XXXX homes wanted {$310000.00} in XXXX of XXXX plus an additional {$11000.00} on the side that XXXX XXXX told me not to tell anyone about. XXXX XXXX recently agreed to sell me the home for {$310000.00} but he never wanted to honor the original contract and blamed me for not being able to close when it was never my fault. 
After our last court date, XXXX XXXX said he did not want to sell me the house at all unless I dropped the law suit against Willow Bend. I am ready to close on my home but they won't let me. When we were supposed to close I went to XXXX XXXX on XX/XX/XXXX to drop off the release of lean and sign papers for the closing. When XXXX XXXX said she couldnt close me I went back to XXXX XXXX to get the papers I signed because my attorney was asking for them. XXXX XXXX said they could not find the papers I signed, how is the possible if they say they keep records of everything? I just want to close on my house, I do not know what else to do.