Consumer complaint received 2020-06-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: SOUTHWEST FUNDING, LP (TX)

Southwest Funding - XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Lender, XXXX XXXX XXXX wasted our time. - I paid for the appraisal through XXXX XXXX  in the amount of {$550.00} dollars on XX/XX/2020, emailed Lender at Southwestfundng to obtain an update. While waiting on the Lender to respond, I call the appraisal company, they stating they were waiting on some things from the Lender to proceed. Once all cleared, they would assign the appraiser as our close date was for XX/XX/2020. In the meantime, the lender lied in his email stating the appraisers are backed up in the area. The soonest due date was at the end of the month. We should have the approval later this week. I will keep you posted. Thanks - his exact email to me. Our relator question him asking was he not doing the appraisal? His response was " Why would you think that? '' Relator response was, and I quote, " because you said you would have the approval soon. I'm assuming you mean buyer approval and not a clear to close. I emailed you the first week of this loan about the appraisal process in our area. It is just very frustrating that we have begged to get the order placed and it's almost closing date and the appraiser has not even been here yet. The Lender did not respond, as usual. I proceeded to let him know that I called the XXXX XXXX  and was told that they are waiting to hear back from him. Telling him that, XXXX at XXXX XXXX would not tell me why due to compliance regulations. He further stated that he emailed the Lender yesterday and has not heard back from you regarding the issue. He is sure he will receive word from you today??? He said once all areas are squared away, they will assign an Appraiser. I further expressed to the lender this - So if you can follow up with him and get this ball rolling so we can all be happy and make the closing of XX/XX/XXXX. Which has been the goal all along!! The Lender, XXXX XXXX responded with this, The appraisal will cost an additional {$300.00} due to the size and availability. -- I did not mind paying, had I known. Lender further stated, At this point, I will go ahead and withdrawal your file and cancel the appraisal. They will refund your money. Sorry it didnt work out. 
This is the email I sent him - You have been shady from day one. I have stayed on top of things and constantly asked you what do you need from us next. One email to the next always asking me to provide something else. I was invoiced by XXXX XXXX  last Tuesday for {$550.00}, which I paid immediately. Not once did you mention that I would need to pay an additional XXXX dollars to do so, until today? News to me. Please send me my entire file!!! I want a copy of my entire file as well as everything I have sent you. You have been completely unprofessional. Never will I or anyone I know refer you or Southwest Funding. You have wasted all of our time. I can not believe your manager would hide in this email and allow such behavior. 

XXXX XXXX along with his Branch Manager XXXX XXXX are unprofessional, incompetent, inconsistent, arrogant as well as bothersome when they should be helpful. This experience with Southwest Funding has been a complete joke and a huge waste of time.