Consumer complaint received 2017-09-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC (MI)

I contacted Movement Mortgage after my realtor suggested them on or around XXXX/XXXX/XXXX. I worked with a XXXX XXXX who was my loan officer and provided her my personal information ( Name, number, SS #, birth date ect ) things needed to began the loan process along with their mobile app to start the loan process. When I contacted her I already had the house picked out, but there were things missing from the house that would qualify me for a XXXX loan as she and my realtor advised. We were in constant contact, she advised what items I will need to look into in order to qualify for down payment assistance, areas that I will need to correct with my credit and things that I may want to consider paying. Throughout this entire time all communication of amounts that I will need to pay where completed through phone calls and emails. On XXXX/XXXX/XXXX XXXX sent me a gift letter that I would need to have completed in the amount of {$6400.00} which made me uncomfortable. Until that point she advised me that I would need a couple of thousand to close and that I should start looking to save money where I can. My boyfriend and I ended our lease at the house we were renting and made preparations to move in with my parents. I provided XXXX a copy of my XXXX statement showing that I had at least $ 5k which was more than the amount she advised I would need. We had several discussions about the {$6400.00} on that day and by the end of the day she had assured me that everything will be OK and worked out. I even received a " Congratulations your offer has been accepted email ''. My realtor advised Movement and myself of the closing date which was XXXX/XXXX/XXXX and I was told by XXXX that this will not be a problem. The house had no HWH and furnace ( which is why I needed the XXXX program ) I began requesting and paying for quotes for contractors and companies to come out to the house to provide quotes needed for the XXXX program. On XXXX/XXXX/XXXX I received a monthly payment breakdown, which did n't feel right to me. I work for a bank and spoke about the process with my supervisor, she asked me if I received any disclosures, showed me documents and the CFPB booklet and asked if any of these things had been provided to me. I advised her no. She expressed that there was a problem and suggested that I request the required disclosures before proceeding. By this time I felt stupid and worried, for the first time I felt like something could be really wrong and I may get the house that I had fell in love with. I emailed XXXX requesting that she provide the loan disclosure and not an email of monthly payments. I even called her and expressed my concern because I do not know this home buying process and worried that she is not providing me the service she should. On XXXX/XXXX/XXXX with my closing date now less than a month away I received my first loan disclosure, and was advised again that my loan is with underwriting where it has been for weeks. XXXX advised that movement does " upfront underwriting '' and that was why I did not receive the disclosure before ''. On XXXX/XXXX/XXXX I requested the status of my loan aware of the pressing schedule and the fact that the appraisal still had not been ordered and XXXX advised that I was still with underwriting. On XXXX/XXXX/XXXX Movement reached out the the companies that I obtained quotes from, and the appraisal was ordered around XXXX/XXXX/XXXX, ( I 'm scheduled to close on XXXX/XXXX/XXXX ). My realtor requested and extension to allow time and the seller was only willing to push the sale out to XXXX/XXXX/XXXX. The appraisal came back on XXXX/XXXX/XXXX with mold and other things that FHA will not allow forcing me to lose the house that I loved. Livid I called a XXXX XXXX on XXXX/XXXX/XXXX ( whom I was told was XXXX XXXX superior ) and she advised that she see on my loan that I would not be able to close until sometime in XXXX and that someone should have advised me of this. I lost the house and today I had to call Movement to find out why they have not returned the money for the appraisal only to be told that someone will look into it. My supervisor has recommended that I take some classed on loan disclosures, escrow, and other things that will better prepare me that my bank offers for free and I realized after completing these courses that Movement is a rip off and should not be allowed to do this to people. I moved my entire family into a bedroom at my parents house, paying for storage and a million things in between because Movement mortgage have no ideal how to complete the loan process.