Consumer complaint received 2020-04-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IL)

From approximately XXXX to XXXX Quicken loans allegedly tried to get our family a home loan. We're low income, so I didn't anticipate anything but an income discrimination denial at first. 

Instead, we were met with cunning brokers who convinced us that a total of 9 credit inquiries would be wise via misrepresentation saying I was prequalified. 

Great! A home for our family! We begin to pack and leisurely home shop. Continually jumping through hoops for the broker and underwriter for months. Knowing we are close. Strung along, at one point told all we needed was to show down payment ( On a {$0.00} down loan? ) of {$1400.00} then {$2000.00} to get a preapproval letter. 

Then we hear via broker from the underwriter they will not include our child support income. 

As told to them I have and will retain majority custody. My daughters independent lawyer, solely for their best interests, whom judges side with the majority of the time, stated this. 

My custody battle has been in court over 2 years. I've been the full time parent the whole time. After a year, because she was a deadbeat  who refused to even provide diapers, I asked the state to help with support. 

The state of Illinois has approved TANF cash benefits. Now qualified for a second year. It will not be cut after a period of time as typical because I am XXXX. 

I signed papers with the state, provided to Quicken Loans, that shows I consent to the state paying me child support and that any future support from their mother goes to the state, not I as they will be paying to provide the stability she can not or will not. 

Because the custody case, after more than 2 years, is still not fully resolved, even at 95 % completed, I am denied. 

They completely refuse to consider state paid, stable child support income. This is clearly low income discrimination. From my understanding discrimination due to source of income being government paid is illegal. 

They have plainly stated to me that had the mother been paying me checks herself for support they would consider that income. So not counting state paid support income is ever more clear discrimination. 

When confronted on this discrimination Quicken Loans denies it. They stated my feelings of discrimination are feelings not facts. I'm convinced the facts show clear low income and government paid income discrimination. 

I politely asked the company to please remove all related inquiries, 9 in total. They are discriminating against my low and government income illegally and there was never a good faith attempt at actually providing the product ( mortgage ). 

Quicken Loans refused to remove the inquiries due to their discrimination. Agent XXXX XXXX told me, " I'll be frank with you. You sound entitled to a mortgage. '' Yes, I do because I am. 

I worked my XXXX off to prepare for a mortgage and just because quicken wants to discriminate against where my income comes from they deny me? Quicken loans denied us a mortgage earned. 

They are saying they aren't responsible, it's in the underwriting and I will have this problem no matter the broker. 

Further, XXXX informed me that policy is to check and damage credit before verifying income qualifies. Can the consumers get some protection please? There was no reason to run 9 hard inquiries and string us along for months when Quicken well knew they would discriminate based on income and source illegally. 

State paid support is more stable than paid by the parent and it should absolutely be considered. Even more approved for another year in advance. 

Custody cases can drag out forever. Underwriting needs sympathy for that. Full time parents receiving state paid child support deserve their children 's income considered. 

Thanks for any understanding and empathy in advance.