Consumer complaint received 2018-10-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (TX)

On XX/XX/XXXX, we received a closing disclosure stating we owe {$75000.00} cash to close on our mortgage. We agreed to these terms. On Thursday late afternoon, I received a call from XXXX XXXX with Jet Home Loans stating title made a mistake on a fee, but she would let us know as soon as possible if and what the change in cash to close would be. Of Friday, XX/XX/XXXX, we received a secure message from XXXX XXXX stating we owed an additional {$900.00} three days prior to closing so a total of {$76000.00}. As a result in being told the issue was with title, we contacted XXXX XXXX with XXXX XXXX to request where the error existed. We were told the issue was it was not a title error, but a lender error in the prorated taxes paid to the builder. Specifically, she stated the error was in the taxes paid to the builder for the time we will be in the house for XXXX ( XX/XX/XXXX-XX/XX/XXXX ). She also stated there was a {$140.00} closing cost fee that was added. 
XXXX response was : The XXXX Tax Bill was used throughout the entire process & on all disclosures as this was what is most recent. 
1. The final disclosure was approved Wed. XXXX ( XX/XX/XXXX ) and sent out Thursday XXXX ( XX/XX/XXXX ) to XXXX & XXXX at XXXX. 
2. The New Tax Assessment just happened to post on XXXX attached. 
3. This was caught immediately and the taxes were readjusted per the new tax bill that was posted XX/XX/XXXX. 
4. Final Figures were redone & sent out to XXXX & XXXX with the corrected taxes Friday XXXX at XXXX. 
This variance is due to the new tax bill being posted by the county the same day the file was being worked on and when we were notified of the new tax amount. The figures were immediately adjusted. ( email correspondence on XX/XX/XXXX ). 
Upon reviewing the closing disclosure for XX/XX/XXXX and the Final Closing Disclosure for XX/XX/XXXX, The proration in taxes of {$4000.00} was on both documents. We challenged XXXX numerous times as to why there is a {$900.00} difference if the taxes are correct on both documents. Her response verbally was that there was a sellers reduction in credit. She said that they had to remove some of the seller credit to make up for the proration in taxes. After an hour of stating my husband and I did not understand, her branch manager XXXX XXXX got involved and stated it was not a tax issue, but they clerically messed up on the document. Specifically, they put a seller-paid credit of {$760.00} and charged us with an additional {$140.00}. He stated Jet Home Loans would pay that fee, but he can't remove the {$760.00}.

We have fought over what was first told to us as a " title issue '', then changed to a " tax issue '', then a " seller reduction in credit issue '', and is finally admitted to a " clerical error ''. At one point, I even questioned the integrity of what was told to us. Jet Home Loans is not willing to take ownership of the entire clerical error because we were told " we have the best rate out there and can't go lower ''. Although we have agreed to buy down the rate, we should not have had to spend 5 hours today questioning the final closing document and being told several different reasons as to why the close to {$1000.00} occurred three days before closing. 

It is now Sunday, XX/XX/XXXX, less than 24 hours prior to closing, and we do not have a closing disclosure. Nobody from Jet Home Loans will return our emails. We have also contacted XXXX XXXXXXXX XXXX as they have chosen Jet Home Loans as their preferred lender. We need to review the document prior to closing because there has been so many fees added and removed. I honestly feel there is an integrity issue as well. 

We have email documentation for all of this correspondence. We have no clue where to turn now and we are afraid we will delay our closing tomorrow.