Consumer complaint received 2016-07-14
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: LendUS, LLC (CA)

RPM mortgage, XXXX which was presented by XXXX XXXX, handled my poor house buying experience. On XXXX/XXXX/16, we signed an offer for a house for sale in XXXX XXXX and it was accepted on same day. XXXX stated that me and my husband are fully approved and cleared me to sign the removal of contingencies on XXXX/XXXX/16. XXXX stated that everything is good to go. 
On the last day of escrow day XXXX/XXXX/16 in the afternoon, XXXX XXXX from RPM sent me an email, stating that if I have a free time to call her, I called promptly even though the email does not seem urgent. They are asking me to provide them a current statement of account of my condo property in the XXXX which is impossible for me to get due to time difference and time constraint as the last day of escrow. Per my agent XXXX XXXX XXXX, seller is giving us 3 days to perform that will end on Saturday XXXX/XXXX/16, however, it falls on weekends in the XXXX so I can not contact anybody to assist me and there 's no on-line banking access available for me. I was repeatedly sending email of urgent request to my bank in the XXXX and hoping I can get immediate assistance. It was so stressful for me and my family to think whatever we can to provide what the lender is asking as they said, if I can not submit anything then they can not release the funding. Then, on Sunday XXXX XXXX but already Monday morning in the XXXX, I got an email from my bank in the XXXX ( XXXX bank ) saying that it needs to be processed within XXXX10 business days. XXXX stated that " It is over, can not proceed as the seller accepted 5 days guaranteed closing due to cash buyer ''. It was very difficult to hear that. I called my agent ( XXXX ) as I noticed that house to purchase is already back on market on Sunday ( XXXX/XXXX/16 ). Per XXXX XXXX, it 's because the extension to perform expired on Saturday XXXX/XXXX/16. Next, On Monday XXXX time, my agent called and said that the seller accepted a new offer and it 's not a cash buyer, it is also for new escrow processing. I can not understand what is going on as I was left alone all of the sudden at the end of the game. 
I truly believe that the lender jeopardized me and my rights tremendously to loose the opportunity to proceed, it cost me {$5000.00} as seller is keeping it from the down payment, also for the home inspection of {$350.00} and appraisal fee {$550.00}, for total {$5900.00}, and not mentioning the emotional distress and pressure for my whole family as we need to find an immediate place to move as our lease contract will be expired by the end of XXXX. We never expected this to happen. 
I attempted to contact XXXX to see if she can pay for all the damages made from their incompetence and negligence, however, she said she can only help for {$1000.00} and the appraisal fee of {$550.00}. If the lender did not cleared me to sign the contingencies and stating that everything is ok then, I should not proceed signing that made me loose the ability to refund my full down payment. I think it would be fair enough if the lender will reimburse me all hard earned money I lost from their fault.