Consumer complaint received 2020-11-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lennar Financial Services, LLC (FL)

COMPLAINT ID XXXX, XXXX UNABLE TO OPEN COMPLAINTS DUE TO NOT ENOUGH INFORMATION ( XXXX ) AND PHONE ( XXXX ) XXXX WERE NOT SUBMITTED WITH COMPLAINTS AND NEEDS TO BE ADDED TO THIS COMPLAINT. 

Complainant XXXX XXXX who identifies as XXXX American, and his Wife XXXX XXXX identifies as XXXX. Complainants belong to a class of persons who the Fair Housing Act protects from unlawful discrimination based on race. Complainants attempted to purchase a pre-construction home from Respondent XXXX XXXX XXXX XXXX., d/b/a/ Lennar Properties ( `` Respondent Lennar '' ), through Respondent XXXX XXXX XXXX XXXX XXXX, New Home Consultant. The Loan was financed through Respondent Eagle Mortgage Company ( " Respondent Eagle '' ), Respondent XXXX XXXX XXXX XXXX ), Loan Officer, NMLS  ( XXXX ) ( XXXX XXXX ( XXXX ) XXXX. 

Complainants applied for a home loan to purchase the preconstruction home through Respondent Lennar  's designated mortgage company Respondent Eagle Mortgage Company. Complainants have good credit and income history and provided Respondent XXXX the requested information for the loan approval. Complainants stated on or around XX/XX/2020, Respondent XXXX advised them, via telephone, that their Loan was approved and he would get the contract from Respondent XXXX XXXX. Complainants report Respondent XXXX did not provide them with the approval in writing, or a good faith estimate ( loan estimate ) at all, or at any time. Respondent XXXX and XXXX reportedly would delay, stall, not return calls, or ignore Complainants request for information concerning the status of the contract, or Loan. Complainants asserts on XX/XX/2020, they applied and were approved for o Mortgage Loan at a different Mortgage Company ad provided the Loan Approval, and Commitment Letter to Respondent XXXX, and Respondent XXXX XXXX, along with a good faith deposit check of ( {$17000.00} ) for the purchase of home to be located on XXXX  XXXX, XXXX  XXXX. 

On or around XXXX XXXX, 2020, Complainant XXXX XXXX stated he visited respondent XXXX XXXX 's ofice to inquire about the status of the contract, and Loan. While sitting in the office, Complainant XXXX XXXX stated he overheard a conversation in XXXX XXXX XXXX XXXX between Respondent XXXX XXXX and other staff members in the office. Respondent XXXX reportedly said, " The Owner of the company and the sales manager said that we could not sell to XXXX XXXX. If " XXXX People '' move here, we will not be able to sell units to " XXXX People ''. XXXX  people will not buy here if there is alot of " XXXX : living here. XXXX people bring down the property value, and they are all " criminals! ". 

Complainants stated they have not received any information concerning the status of their Loan, or contract from Respondent Lennar. Complainants believe Respondents XXXX XXXX 's statements, and actions reveal the purpose and intention of Respondent Eagle Mortgage, and Lennar 's Owner, and management were to keep " XXXX '' from purchasing their property to ensure the value of the property would not decrease, and to attract XXXX  People to the property. 

Complainants believe Respondents collaborated to dissuade Complainants from purchasing a home, based on race, in violation of the Fair Housing Act.