Consumer complaint received 2022-02-12
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PENNSYLVANIA HOUSING FINANCE AGENCY (PA)

In XXXX I was misled into purchasing an nearly abandoned home in a undeclared flood zone, through a fake deed. The realtor paid off all parties so that it would pass inspection. During closing the person who portrayed the owner wasnt present, some girlfriend at the table who the realtor started calling the fake owners wife. The paperwork for the home was signed fraudulently months before and all false. Every window was broken, the electrical system was old, dry rotted wood surrounded the house ( they covered it with paint and awning. Worst of all is the neighborhood flooding that has been happening continuously since the 80s because they built the houses over a river. I wasnt given any forewarning for anything just swindled out of the experience of owning a quality home. It wasnt until someone was XXXX in the floods did XXXX or the city even offer flooding insurance. The realtor flipped the loan to XXXX. I alerted XXXX of the issues, sent dozens of pictures, tried unsuccessfully to sell the home. They refinanced but after XXXX plus years never updated my credit info and the amount has stayed the same. When I went to refinance XXXX lawyers kept continuing the hearing ( even though I took off work every time and all the lawyers were present so it was done deliberately ) to add miscellaneous fees that would later be tacked on to my mortgage every year with no explanation. I have dozens of pictures of asking where this money came from, XXXX never helped just tossed me from one agent to another who just let it stay on my credit report without a care. It has been a horrific first time home buyer experience and during the pandemic XXXX tacked on another loan ( thats not suppose to be added u til you are selling your home that I wasnt aware of ) to lower my credit score because they spoke with a realtor behind my back thinking I was selling. I complained asked and called to which they didnt remove the loan from my credit files. Theyve rarely if ever updated my loan payments, which have been sitting at over 80,000 for years. I know that Im small compared to these big companies but there should be a law against fraudulent editing a deed and selling a home with a fake deed. Everyone seemed to be aware but me. The professionals who were supposed to be doing a job were all scheming for money. House was literally worth 15,000 and they patched it up and sold it to me for {$75000.00}. It shouldve failed inspection. XXXX, shouldve updated my credit after countless contacts it feels like a never ending debt that was purposely done. It wasnt until I testified on behalf of a young womans estate who lost her life and they won that my city, others tried to capitalize on and make us pay them for insurance. Theyve made me pay {$6000.00} plus to fix pipes that were XXXX  before I moved here ( solicitation by the water dept manager who offered a lower bid for a date that didnt happen ). He came back three times to change how much I owed on the unnecessary fix ( will continue to burst because its a flood zone ). I dont even know who to talk to anymore. The last flood FEMA came out again and offered support ( wants me to take out a loan, which would also hurt my credit score ) because the mold makes this home unlivable. It has been such a horrible experience with all parties.