Consumer complaint received 2022-02-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NVR INC. (TN)

In XX/XX/XXXX I purchased a home from XXXX XXXX, in XXXX, Tn XXXX. In order to be pre approved I had to go through NVR Mortgage own by XXXX XXXX. 

I agreed for them to pre-approve me and submitted an application. It was approved on XXXX for {$600000.00}. The house is to be finished on XXXX. I gave a {$30000.00} down-payment for the home. 

After having been approved they told me that I had to pay off a car which I owe ( {$20000.00} ). I never agreed to do it. I told them no unless they removed the 25 % downpayment. This was communicated via XXXX. They started placing many demands, like paying for an appraisal months before the home was even started. It is still in a cement foundation they just poured on XXXX. 

I told them that I wasn't going to pay for the appraisal until the home was built. 

I told XXXX XXXX XXXX from NVR, XXXX, XXXX XXXX XXXX, XXXX XXXX, that I was probably going to use XXXX loans and not to do anything further in my account. Not to bill me for the appraisal and not to do anything else. I even asked him to stop calling me. I felt that they were harrasing me. 

XXXX XXXX would ask me what I was buying with my debit card or credit card. I told him gift for my son. That I paid a doctor 's visit. He asked what for. I told him to stop that it was ridiculous and offensive. That I don't have to tell him what I buy my children or why I went to the doctor or write it on paper. That was a violation of my privacy. That is why I told him to stop calling me XXXX to stop everything. 

Without my concent or permission. On XX/XX/XXXX, I found out through a credit agency that NVR ran my credit. I confronted them and asked them to remove the unauthorized credit check. XXXX XXXX XXXX, XXXX # XXXX, licensed in Tennessee is refusing to contact the credit bureaus to remove my unauthorized check. 

Since the begining of the pre approval, which was ONLY to begin construction because I told them that I had other companies that I would use they have kept pushing me to use them and changed things. 

I believe that it is a conflict of interest for them to force their mortgage company and insurance of choice on a person buying a home. To be requesting every single months bank statements and interrogating me as to what I buy or do even for amounts of {$9.00}. 

Additionally, I am requesting for them to remove the credit check they did after I told them to stop and have even ignored their messages. This is hurting my score and ability to finance my home. 

XXXX XXXX feels that she can run my credit report without asking when ever she or NVR decide. I sent various emails advising her to stop. 

The address of the home is XXXX -- XXXX XXXX, XXXX, Tn XXXX. It is XXXX and it is still a concrete slab. I am including the contract in the report. 

XXXX XXXX also told me that NVR locks interest rates for 180 days free of charge. During the contract she told the lock in period was 90 days never XXXX. 

I would like to see the form that they lock the applicant for XXXX or that she offered that. She did say that I could extend for about XXXX  months if I paid extra. That we could disclosed that at a later date. 

My house was to be finished on XX/XX/XXXX, I would have taken that interest rate. It would have Fallen within the 180 days. She is misrepresenting. 

I sent them a letter on XX/XX/XXXX, letting them know that I was thinking of using XXXX. That I had not decided yet who I was going to finance with. This is in writting. They still pursued the credit check without my consent. It will be attached.