Consumer complaint received 2021-08-03
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC. (TX)

On XX/XX/XXXX I sold my property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and the bank used by the purchaser who acquired the property was SunWest Mortgage located in XXXXXXXX XXXX. The final disclosure was given the day before at XXXX XXXX  by the real estate agency ( XXXX XXXX ), telling me the amount I had to bring was of {$9200.00} payee XXXX XXXX, I inquired because the amount was less than the initial one of {$11000.00}, a difference of {$1700.00} and the real estate representative XXXX XXXX mentioned it was a credit on my behalf. This was given to me a day before the closing, I was traveling to XXXX since I live in XXXX  I didn't had enough time to validate this information, since it was with time constriction, I needed to go to the bank to purchase the cashier 's check in order to be on time during the closing with the money requested per their emails. The closing occurred around XXXX XXXX on XX/XX/XXXX as appointed, I gave keys and left the bank with the deed and all my closing documents. Around XXXX XXXX  I received a call from the XXXX XXXX that there has been an error during the closing and that I owed them {$3700.00}, I asked from what and she mentioned about an escrow balance they were supposed to return to the house buyer but somehow it was credited to me. In XXXX we had to sign an addendum from the bank because SunWest couldn't validate those funds from the buyer therefore XXXX XXXX had to return the funds the day of the closing, which is strange then that if Sunwest could not validate those funds, how they still ended using them during the closing. I sold my house for {$120000.00} and between taxes, lawyers, fees and more I paid {$18000.00} in closing costs, an amount already excessive for such short selling house. I know some of the costs were related to taxes but still excessive, however I really didn't had any representation or to whom really ask since I was in XXXX  and to then after the closing say I still owe {$3700.00} and to pay it directly to the real estate agency seems unfair because that transaction will not get recorded in the sale. Further more, there was another issue with the house deed, the initial sale price was $ XXXX and then was adjusted to {$120000.00} due to some repairs the house needed and the buyer agreed to do, but somehow the house deed was with the initial price of $ XXXX and now the law office XXXX XXXX had to send a Power of Attorney for me to sign in order to have a legal representative to create a new deed so they can register the property with the right sale price, his lawyer XXXX XXXX suggested it was a favor that they usually charge XXXX, I did mentioned it was not my error, since all that should have been validated with the bank prior closing by them, still I am already doing my diligence to assist with this issue. All these situations are creating a lot of stress and is overwhelming since I do not live in XXXX anymore and is difficult for me to handle them from across here. I feel the bank and other agencies didn't handle this with precaution causing all these errors and now I feel I am the guilty one having to deal with their issues.