Consumer complaint received 2015-08-17
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN FINANCING CORPORATION (CO)

went on the internet to search for home refi for convention to an FHA loan. Found American Financing Corporation, XXXX CO, and it said it was an FHA place I could find the information and financing I was seeking. Ended up with XXXX XXXX who tried to ramrod us into a XXXX loan. It was not explained they could not offer a XXXX which we needed looking for an FHA product. Head games looking for answers on when told not to pull a hard hit on my husband 's credit. My husband said " not at this time '' and her answer was " to late '' she had the report. Then the head games trying to cover herself with XXXX us on speaker phone saying my husband was lying. She tanked us on being able to find a lender to suit our needs and it was a head game with her saying my husband gave her card blanche when it was never given. We needed to see if we could raise our XXXX scores for better rates as we had just a hard hit about a week prior and unable to obtain financing with another lender. We never would have been able to get our house through a XXXX appraisal and lost another appraisal fee. No written, nor verbal, approval was given to pull any credit report and we received the paper, for legal written approval, 4 days after the " to late '' conversation so she could cover herself. We, me nor my husband, will not sign making this ok and I just will keep my present mortgage. There are many more issues involved in this that can not be brought forward in this description. It is heart breaking trying to refinance and unable to do so when the appraisals, XXXX scores, and any other issues they ( other previous lenders ) can find wrong we can not resolve and the process is tanked from the beginning. We were looking for information and got ramrodded ( for lack of a better term atm ) into either signing up for something we do n't feel is right and not getting what we need, then having someone manipulating us into a product we will never get. We needed a lender, broker, or business we could WORK WITH BEFORE we got pushed and hurried up to sign paperwork that could burry us in a situation that could force us to lose our home if pushed into a closing. This whole situation is insane. I have XXXX character remaining and know we will not find what we are looking for with this business and have to wait out the hard hits and start this over with another lender when the time is available to do so. It was a constant case of being contradicted trying to find answers and a follow up phone call with someone who was trying to side step to cover her as* what is in the paperwork we, mainly all my husband 's information, trying to take me off the mortgage note and saying my husband gave no information about his wife of XXXX years to write the loan. Then she tried to say it was my husband only asking for XXXX on top of the loan and my husband knew we needed much more to resolve things we had lacked maintenance on, and would like to make other changes to the structure & property since we bought the home in 2001 - not to mention other liens on the property my husband can not explain. There is in no way he could or would have authorized moving into a transaction without his wife. His name was given for initial contact because there was only one space to put one name for initial contact and his name is 1st on the current mortgage XXXX XXXX ) for a joint transaction we are seeking. At present time we hold a loan application and all the document necessary to proceed for a loan product but unable atm to attach it to this complaint.