Consumer complaint received 2021-12-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CountryPlace Acceptance Corporation (TX)

Good afternoon, Complaint # XXXX Loan # XXXX Resolution Letter Response You have concluded that you complied with all applicable FHA Title II Loan Requirements. I will make certain that you correct yourself and you false conclusions. You will fully understand that you did not comply with all applicable FHA Title II Loan Requirements by the time we are done with each other.

1. ) When did you receive an email copy of the sample summary and analytical results prior to closing for the water tests done on XX/XX/XXXX and XX/XX/XXXX? Please advise before telling another lie to me that you remember I have documentation from the loan officer and from XXXX XXXX of conversations regarding this matter. So, make sure you call them and tell them whatever it is you need to fabricate some more documents with you.

2. ) The appraiser language is justifiable for the errors on the appraisal? You also stated that the invoices plus plans & specs are only provided when its a construction project and the home has not been delivered and there is nothing for the appraiser to inspect. If as you stated the home was onsite and partially completed then isnt that a construction project in action? Why does the picture in the appraisal not reflect a home in partial completion? Per HUDs notice of installation the home was installed XX/XX/XXXX and a HUD inspector inspected the home XX/XX/XXXX. As of XX/XX/XXXX from the Appraisal by XXXX XXXX, on XX/XX/XXXX it says private well, the appraiser did analyze the contract for sale for the subject purchase transaction. The appraiser states it as a new existing manufactured home. The purpose of this appraisal was to support the underwriting requirements for the FHA-insured mortgage. So, what I have concluded is that this appraiser is in your pockets because I compared the appraisal reports for Lot 2, and Lot 3 and mine. Sure, enough the same appraiser, you would think since the appraiser conducted my appraisal XX/XX/XXXX and Lot 3 on XX/XX/XXXX surely, they would know how much sq ft my house was and the price per sq foot and the comparable sales would match right? Thats not the case unfortunately and now you got 3 Lots looking for answers.

3. ) Thank you for feeling the need to explain the sequence of events to me and taking the time to do so. I now understand that you do know how it works. You state that once the final inspection is obtained the loan closing can be scheduled. After the loan is closed the lenders files for the statement of ownership. You provided the final inspection report to the CPFB in a pervious complaint and it states the final inspection date as XX/XX/XXXX thats not after the loan is closed.

4. ) You certainly let me know that I got a Title II Loan. Why did the loan officer know that? Why did I get a pre-qualification approval as an FHA-XXXX XXXX  on XX/XX/XXXX? You know weve been working with your loan officer since XX/XX/XXXX right? XXXX XXXX signed the HUD/VA Addendum to Uniform Residental Loan Application on XX/XX/XXXX as Construct Home ( proceeds to be paid out during construction ) That is what is in the Lenders Package sent to the title company.

5. ) The analytical results were provided to XXXX then you wouldnt have received them until XXXX sent them but its ok I filed an opens record request with the XXXX so Ill get you that too when it comes back. Just because palm harbor bought the land from XXXX in XXXX that doesnt mean that he wasnt an interest party that should have conducted the water sampling. He was an interested party but you say he is not. That doesnt explain the fact that he was Lots 1-3 septic installer, the site contractor worker, and the land developer. Also he filed all of your permit request for the interest parties He also is developing 37 more lots. He also went into litigation with XXXX XXXX XXXXXXXX and filed suit against the interest parties. He signed a NDA. I got his estimate sheets too.

6. ) Regardless of whatever you say regarding the shared well it wasnt what you submitted in your lenders package to the title company. How are you going to prove that the public or community water supply system wasnt feasible? I filed complaint with the XXXX and that was absolutely not the case. Where is the Appraisers report then of the availability of the connection to the water supply system?

7. ) If you acted as the interest party then you should absolutely demand the well log since you are proving financial interest in the well.

8. ) Its ok that you didnt give me the detailed work and estimates I got that from lot 3 and I have their closing recording. Whats crazy is that you did disclose to them the situation, but you lied to lot 1 and lot 2 why is that exactly? 

Becoming a property owner after 40 years is supposed to be one of your greatest achievements. I took opportunities, chances, and acted diligently. Mistakes were made that jeopardize everything I have worked so hard to earn that I am not responsible for. This situation should have never happened to me and your response is unacceptable. I will not comply with being taken advantage of again. 

My forever home has been jeopardized, invalidated, and the trust we agreed to per the contract was breached. I deserve and demand a stable, affordable place to live and will not negotiate with you anything less than what you are responsible including all remedies entitled to me to obtain what I was promised in the contract. It was not my responsibility to prevent this incident from occurring it was yours. Remember that this might be just your job, but this is my family 's haven. This for me is supposed to be one of the safest places for my children. So, XXXX you. 
As the responsible party, it is your duty to fulfill all that is owed to me. I am unwilling to act or contribute to the recovery of your negligence, and you will suffer the legal consequence. I will not entire financial burden and responsibility for all the unacceptable surprises I have had to encounter with the purchase of this home. I have attempted to correct what needed to be done and the XXXX responses you have provided are not satisfactory.