Consumer complaint received 2020-11-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Absolute Home Mortgage Corporation (FL)

I am writing this letter to bring you attention that I am not satisfied with the quality of services provided from ABSOLUTE HOME MORTGAGE CORP, I got in contact with them on XX/XX/2020, the person I contacted is Mr. XXXX XXXX Loan Originator NMLS ID XXXX, to whom I explained about the product I was looking for, that it was a USDA loan, I sent all the documents they needed from me in order they can check if I was able to get this type of credit, he stated I didnt qualify for this but he let me know that with my info I was pre approved for a FHA loan with 3.5 % down payment, they sent me a pre approval letter in order I can take contact with the realtor and look for the house I wanted to purchase. 
After many days of contact with the loan officer by e-mail, he let me know I had to put 10 % of down payment instead the 3.5 % I was offered at the beginning, condition that I accepted cause he always guarantee the approval condition on the loan. 
We continue with the process, realtor made offer to the seller, he approved the offer, I payed for inspection, survey and appraisal for, it is important to mention that about all this process the mortgage company was always acknowledge, and they continually were emitting documents to support the credit, loan originator MrXXXX XXXX XXXX, also provided me with a closing date, which supposed to be on XX/XX/2020. 
Since 3 days before closing I was trying to get contact with the Mr. XXXX XXXX, her assistant XXXX XXXX and I didnt hear anything from them, I started to be more persistent with the calls and e-mails and what I received it was an e-mail back from XXXX XXXX Branch Manager of this mortgage lender, who let me know I was not able to qualify by myself for the loan that Mr. XXXX offered me an gave me the security it was approved and I was needs to have a co signer, a requirement that was never needed at the beginning, I reply back to them about my discontent and the Loan Originator MrXXXX XXXX XXXX replied that it was a mistake for him and he sorry for that, I am wonder if all this lender companies have different ways to qualify a consumer to obtain a mortgage credit backed up for the state?? His mistake caused me a loss of money to me and who is responsible for that??, other options that I was offered from them if I have no co signer is to accept a loan product that required I put a down payment of 25 %, its worth mentioning when I first started contact with them I was clear in which product I was looking for, I gave them all the info that they asked me for in order they can analyze it, I was gon na understand if at the beginning they let me know I was not prepare at that time to purchase a house, why they let me going through all this process until the end to just let me know I was not able to get the a loan at this time??, is maybe the way the used to sell their products to people?? I mean putting the consumer against the wall to accept an expensive credit that will give them more profits?? 
Again I did everything they ask me for, they also requested to deposit a gift {$9000.00} usd under the Company Title names which should never happened I should keep that money in my bank account, so I had to wait and made as many calls as I can in order I can get the deny letter and started to ask for my money back, I dont have my money back yet, XXXX usd money from a gift and XXXX usd money it was put in the scrow, I also have to mention that reasons for deny the credit are not truthful, I have the money they asked me in the closing disclosure to pay in my bank account and about my incomesthey are the one that made the calculation and pre-approved me the credit, let me going thru all this process knowing every step I did for, to the end being unscrupulous and offer me something that I never asked for. 
Its so unfair that people with no scruples play with others in this matter, I am extremely upset and sad that maybe some regulations this entities think can let them pass cause people dont express their discontent, for time, for frustration or for stress, worth mentioning that all this process to purchase at home is very stressful and it becomes more when companies like what I used are NOT able to run the business with any honesty, values and ethic. 
I hope to hear back from you about this situation that would never happened if honesty was involved from the mortgage company. 
Attached to this letter I am providing all the documents that were sent to me to made me believe credit was approved. 
- Loan Estimates - Closing disclosures - Appraisal - Survey - Inspection - E mail from Loan Originator Assistant were they asked me to deposit a gift money in the Title Company - E mails that support what I am saying in this letter Any other information that you need, please let me know.

Sincerely XXXX XXXX XXXX XXXX Cell # XXXX / XXXX