Consumer complaint received 2022-05-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (WV)

I was referred a realtor by Rocket Mortgage after applying and getting pre approved for the FHA loan. I also was pre approved for the USDA loan through another company. On XX/XX/XXXX I signed a purchase agreement after a counter bid, to start the process of buying a home. XXXX is what i would pay and the seller agreed to pay the XXXX in closing costs. USDA loan over the FHA loan with rocket mortgage. My realtor did a complete XXXX and almost had me convinced to cancel the contract. Rocket contacted me and told me if I switched to the FHA loan they would be able to lead the way since I wasnt able to fire my realtor due to the agreement i signed with her. Closing date was supposed to be XX/XX/XXXX, then XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX. I had exhausted all of my resources because they were less than honest about what was going on. The appraiser took longer than usual. They promised I would close before XX/XX/XXXX, which is the date I would have to be out of my rental home ( i had asked for multiple extensions previously due to Rocket stalling on closing ) Correspondence was hard to come by, by then. My realtor took it upon herself to notify Rocket that the sellers would not be out of their home until XX/XX/XXXX. She asked me if i could make other accommodations until then. 
Before that XX/XX/XXXX extension issue became an issue, on XX/XX/XXXX Rocket informs me that since the home is in a FEMA flood zone the FHA wouldnt accept my private flood insurance that I had sent them the binder on days before. I panicked because it was so expensive and would make my payments XXXX $ more a month. After finding the cheapest price, the insurance agent informs me it needs to be paid up front. not being an option, they worked it out to be able to add it to my monthly mortgage. At the end of the day, my banker leaves me a message that my debt to income ratio was now too high and i would have to have a cosigner or nothing at all. They had been aware of my living situation and promised me I wouldnt be homeless and the closing would happen XX/XX/XXXX. I contacted the title company and they hadnt even received the paperwork with all the necessary numbers and info to schedule a closing date and he wouldnt be in the office until Monday. I had a close friend to take it upon himself to contact my banker about co-signing. She asked him for proof of income and his personal info to get him added to whatever was necessary. Now she wants his homeowners declaration and other personal information and wouldnt explain to him why. I finally asked for someone with more authority to contact me and her response was that her director would tell me the same as she is telling me, that they are just waiting to have the co signer added to the paperwork. I have to pay another months rent for storage, I have 4 dogs 2 of them do not get a along so they cant even be in the same vehicle, so living in my car isnt an option, I have no friends nor family that are able to accommodate me and my 4 dogs due to their living situations. More than likely I will have to pay some type of deposit or connection fee for my utilities IF i am able to purchase this house. I do not have the means to start this whole process over if I would back out or if it were to fall through. 
My realtor is obviously working behind the scenes with the sellers, since shes had more contact with the other party than she has with me. I am worse off now than I was when I started this process. This is going to cause me to lose everything i have worked for and they want to play the blame card.