Consumer complaint received 2020-09-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HAMILTON GROUP FUNDING, INC. (FL)

I was referred to XXXX XXXX ( NMLS # XXXX ), Branch manager of Hamilton Group Funding locating at XXXX XXXX. On XX/XX/XXXX, a first contact him via text at XXXX XXXX. After a brave phone contact, Mr. XXXX referred me to the web portal to complete an application. The application was completed for lender services only as we had a house already selected. However, as per his report the house was over value by the seller and suggested us to look for another house and introduce his wife who is realtor. XXXX family we were looking for hoses for a year, so my daughter finds out that one of the houses we were looking was still for sale. We contact the seller, and the house was available. XXXX was very funny, positive and polite. On XX/XX/XXXX, he even said the house will be 100 % sure and the interest 2.75 %. We finally set the time to meet on XXXX the second. He came to my house with his wife for realtor purpose. However, the house we selected was by owner and the seller do not accept realtors. He tried hard for us not to go for this property and even make appointments for us to go with his wife and see other options. We were clear about having the house we already want and not need for realtors ' services. At that time, he confronted us inquiring why we dont want to see houses and we explained because we already had selected the house. He asked one more time if we dont need realtor and we stated, No. However, their explanation makes us think about why the seller refuse to realtor and suspicious. We finally accepted her services. We explained XXXX about each financial detail, inquiring in my credit report and he was agreeing that it will be only in my name. Next day we contact the seller and he refused to dial with realtor. Therefore, we contact XXXX and let her know about it. She sent a message of good luck. After that situation XXXX attitude and relational, social skills changed toward us. 

The process started with XXXX XXXX, so our communication with XXXX stop. Since the process start with XXXX every document any information any question, any request was fulfilled almost instantly. there was never a waiting time for longer than couple hours. I provide every information requested clear and direct. Up today you can review the information and it will be the same. The contract was signed with the seller with due date on the XX/XX/XXXX. 

On XX/XX/XXXX, we received an email from XXXX advising my Husband will need to be part of the loan because the debt on my side was too high. The only debt I have on my credit is {$450.00} in the car and a credit card for {$300.00} paying {$25.00} monthly. when I asked why, I received an email from XXXX questioning why I got a car/? why I was unable to wait after buy the house? why I dont put the car in somebody else name? And a lot of questioning that make me fill very uncomfortable. So, I received an email from XXXX very rude stating Iin rush to buy a house and refuse to be showing houses, so these are the consequences and even Sayed he give up. Automatically we understood this transaction was aborted at the very moment we refuse his wife services as realtor. We see there the conflict of interest very clear. However, we provide my husband information and every documentation that was requested. However, the slow motion on the process was notable. 

On XX/XX/XXXX we received an email from XXXX with 9 bullets to provide as soon as possible. verification of employment from XXXX, W2, copy of checks, things to be removed from credit reports, so we understood one more time that get the information in a record time will be a pointless because conflict of interest made this transaction avoided no matter what.. He makes us paid with the transaction the refusal to his wife services. 

I can provide texts and emails upon request.