Consumer complaint received 2023-10-10
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Parkway Financial Group, LLC (NC)

My husband and I applied for a mortgage with XXXX XXXX on XX/XX/XXXX of 2023. We paid the builder our deposit of {$99.00} and later paid the holding amount of XXXX. Our experience with XXXX was tough because the person our point of contact was never available for us to talk to. We decided to go with their loan officers Inspire home loans due to the incentives they were offering to us. Prior we were working with fairway lender. We had already had an approval from them but as I stated decided to go with inspire due to the no closing cost incentives. We started working with a woman since you say don't use names I won't but in the event you need that I have all that information. We got approved by XXXX with inspire loans on XX/XX/2023 with the loan amount of XXXX rate this was conditional and not locked. We got all of our documents submitted the home was not set to be done until the end of XXXX. All of our documentation was in and as far as we knew all was well. We then got an email from XXXX on XX/XX/XXXX that she was going on maternity leave and that she would be sending our things to her manager. She advised to reach out to him should we need anything. I of course did reach out to him just to follow up. He advised me all was well no concerns. We never hear from anybody at inspire again. Our next correspondence was from the closing people from XXXX with all of our closing information. Initially we were set to close on the XXXX of XXXX but they then changed it to the XXXX. That came from XXXX on XX/XX/XXXX. My husband and I waited until after we received our closing information to put our notice in with our rental. This was our first rental we rented for a little over a year after selling our home of XXXX. On XX/XX/XXXX we heard from a lady at inspire " XXXX  '' who told my husband there was somethings he needed to pay off. All the things they told him to pay off he did and provided proof. That was one credit card and a savings account. Over the summer I added my husband to one of my credit cards and had a family emergency where I spent XXXX on that card. I was told I had to pay that off in which I did and provided proof. My husband also has a liberty mutual account for XXXX dollars that XXXX told us we had to pay in full. We did that as well. Reason being was my husband score had came down XXXX point and they needed it back at the XXXX mark. Initially when he got approved it was at XXXX. Naturally we weren't able to close on the XXXX and when we heard from XXXX  1 week before closing I tried to go back to our landlord and see if we could stay in which they told us no because we had already done our notice and it was only 1 week before we had to move out. So, we became homeless with our XXXX children. Not only didn't we lose out on a lot of our reserve money by paying these things XXXX told us to pay but they then told us we didn't have enough in our reserves account. So they go the score up on the day we were supposed to close on XX/XX/XXXX that Thursday, it was sent to underwriting where we were then denied on that Monday XX/XX/XXXX. They sent us to another one of the lenders they work with and then started telling our realtor all these lies about us running up credit card debit and doing all these things that we didn't do. No one would answer own calls it was like they just tried to cover themselves because XXXX, who went out on maternity leave let our file sit there and no one went through it. Now, when we were dealing XXXX the credit person she told my I couldn't take my husband off my credit cards because it would drop his score. But that was the first thing the new lender told me to do. We never had to pay XXXX to these cards if I would have just taken him off as an authorized user. Also she told us all his score dropped to the XXXX when that was also a lie because the new lender a day later sent his scores and the lowest was XXXX. The others were above XXXX. No one cared about all the money and misinformation we were given or the fact that we are now homeless with XXXX children. We are ready now to walk away and find somewhere for us to go but what they did to us is not ok. We started to complain and talk to the builder and things to try to get to the bottom of everything and now everybody wanted to change their story and say they never looked at our file. If anything was wrong we should have known well before our closing date. If they didn't want to work with us we should have known well before we were left homeless. We went almost 3 months without hearing a word that anything was wrong with our file or anything and then 1 week before closing all these issues. I have every document every email and every text. I have all the information I need to prove what I am saying to be true. They lied about his credit score and they lied about us paying off these accounts. XXXX told us to pay off an account and the new lender told us we should have never done that and that was going to affect us. We should have paid it down to XXXX dollars but I told him that wasn't what we were told. We were out thousands of dollars and a home for no reason. We still haven't heard back but it's to late now I'm ready to move on with our children. This company should be shame. I have so much more to say but this site keeps telling me my time is running out. I meant to mention all the money we did have to pay out plus the 2 months rent we had to pay just to break our lease. We had to pay XXXX just to move out of our place. Only to then pay for storage house. XXXX truck and now pay deposits and other things for another home for our family. The amount of money we have had to spend has really put our family in a bad way.