Consumer complaint received 2021-12-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (MD)

2. How were you discriminated against? 

XX/XX/XXXX, I contacted New American Funding XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX for help with refinancing my home. I informed my current representative XXXX XXXX that I am currently active in a Bankruptcy XXXX XXXX and would that be an issue. He stated no and we started the process. Over the past five months I have submitted numerous documents, and at times the same documents over and over again. When I make calls or emails to XXXX XXXX, they were go unanswered until I contacted his supervisor and courtesy copy ( Cc ) U.S. Department of Housing and Urban Development. When XXXX XXXX would respond back to me, he would state that my loan is very difficult due to the fact that they are filing it with US Federal Housing Administration which requires a lot of paperwork and my bankruptcy isnt helping. This statement has been stated to me for the past two ( 2 ) months. They still keep asking for copies of the same documents every other week pay stub, loan payoff, copy of divorce decree, etc. This month I felt that all required documents have been submitted and I sent XXXX XXXX an email stating that he contacted me to inform me that my home loan rate will be locked. Again, New American Funding is stating that more documents from both of my mortgage companies are now required. 

3. What makes you believe these discriminatory actions were taken because of your race, color, national origin, religion, sex, disability, or familial status? 

I believe that I am being discriminated against due to the fact calls and emails go unanswered. The repeated request for copies of my paystubs, keep asking the same questions about my divorce decree and this long process for closing. It should not take this long to go to home closing. 

4. Provide list of incidents in order by dates of your interactions. 
From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXXXXXX XXXX To : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ; XXXX XXXX XXXX Subject XXXX Re : Bankruptcy Information External Email : Do not click links or open attachments unless you recognize the sender and know the content is safe. 
XXXX XXXX, I not sure what type of game this company is playing, and I am getting very tired of this effort from keeping me from closing. I have only been married ONCE IN MY LIFE TO XXXX XXXX XXXX. 

I have no idea who this XXXX XXXX XXXX is! So please, can we move on with my closing or I will find another company to try and help with my home refinancing. If your company doesn't want to move forward with my refinancing, I will contact U.S. Department of Housing and Urban Development, XXXX XXXX XXXX XXXX XXXX XXXX and any other company, new agency to inform them how this company treated me. 

XXXX XXXX XXXX XXXX Tue XX/XX/XXXX XXXXXXXX XXXX To : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, There were no terms to our divorce. We did not have any kids, the house was in my name before we married, we did not share any credit cards nor bank accounts. It was just a straight divorce and document that you have a copy of was the only copy mailed to us. 


XXXX XXXX From : XXXX XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX AM To : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ; XXXX XXXX XXXX Subject XXXX XXXX XXXX Bankruptcy XXXX Good morning XXXX XXXX, The divorce decree attachment has two ( 2 ) copies within it and clearly states that my ex-wife XXXX XXXX XXXX and I are granted an absolute divorce XXXX XX/XX/XXXX, by the XXXX XXXX XXXX Courts of Maryland Divorce Court Magistrate . I have no other divorce documentation to submit and not understanding why submitted documentation. 

Truth of the matter I am really feeling there is some type of discrimination being held against me for my XXXX, XXXX or due to me being in bankruptcy. Every requested document I or my lawyer submit isn't good enough. How do we move from this point? 

XXXX XXXX From : XXXX XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX PM To : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ; XXXX XXXX XXXX Subject XXXX Fw : Bankruptcy Information External Email : Do not click links or open attachments unless you recognize the sender and know the content is safe. 
XXXX XXXX, The attached documents were sent to you and your staff on Friday, XX/XX/XXXX, showing my agreement with the IRS for payment within my bankruptcy. Are the attached documents not sufficient enough for your company underwriter to move forward with my home refinancing? If not please explain why? 

XXXX XXXX From : XXXX XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX AM To : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ; XXXX XXXX XXXX Subject : Fw : Bankruptcy Information Morning XXXX XXXX, Attached to this email are copies of all requested documents. My attorney and I have surrendered all information dealing with bankruptcy along with current financial statements. Can we finally move forward with the finalization of refinancing my home? 

XXXX XXXX 7. What occurred that led you to believe the application process or denial was different from those offered to other persons who are not same XXXX XXXXXXXX as you? 
As stated before, unanswered emails and phone calls. Repetitive request for the same information over and over. The time it is taking for me to go to closing on my home. 

8. Were contacts with respondent ( s ) in-person, over the telephone, via internet? 

Contact has been made via email and over the phone. 

9. Whom did you interact with? 

XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX 10. If contact was not in person : How would the respondent have known your race/color? 
From my home refinance application