Consumer complaint received 2020-07-23
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC (NJ)

I am writing to you at the CFPB to see if I can get any relief from the ordeal I just went through with Veterans United Home Loans, in my letter I will abbreviate it to VUHL. When I started the pre-approval process I was speaking with both XXXX XXXX & Veterans United Home Loans, VUHL and the loan officer at Veterans United Home Loans seemed to have more time to spend working with me and the costs he went over with me were so much lower than XXXX XXXX, that I decided to go with XXXX XXXX NMLS # XXXX at VUHL. 
XXXX said that I had to act quickly to get this done because he had me grandfathered in on this VA loan with these low costs. So the next week I found a home & put an offer in on it, I did not get that one but a few days later I did make an offer & go into contract on the home XX/XX/XXXX. We had 5.5 weeks to close this loan, Inspections were done and XXXX had sent me my Loan Estimate on, XX/XX/XXXX that showed I would need about {$6300.00} to close which was higher than the initial numbers but it was an estimate, which did not include my earnest monies. As the weeks went on my aunt asked for XXXX to send out a Fees Worksheet with the figures that had all the Attorney & Title Company costs. He said that the title company was not getting back to him & that we had to wait. The title company did get back with him and my Fees Worksheet said I needed {$4800.00} + my attorneys fee of {$800.00} totaling {$5600.00}. This was closer to my initial understanding of what I would need for closing. 
My aunt was gifting me {$2500.00} to help me with my closing fees but the day before she was to wire the money XXXX said that I needed reserves and that way I would not have to have my Grandma pay off my car. So my aunt sent {$4500.00} on XX/XX/XXXX to make this work for me. I was supposed close on the XXXX of XXXX, but the loan was not ready, so it got pushed out to XX/XX/XXXX. 
All along I believed I needed less than {$6000.00} to close my loan all the documents that I have attached from XXXX all show this, so you must understand that I was blown away when on the evening of XX/XX/XXXX I received my closing statement that showed I needed {$8800.00}. I had that much in my account because my aunt sent me the extra {$2000.00} and I was also paid that evening. I was told by my realtor that XXXX had called her 2 days before looking for both agents to shed some of their commission because I may not have enough funds to close of course, had no idea of this. 
When I questioned XXXX about the discrepancy he told me not to worry it will come back to me at the closing. The only thing that came back to me was the {$630.00} dollars that the seller prorated me for taxes if not I would have needed {$9400.00}!!! So at closing I asked my realtor & she had no idea why these costs were {$2300.00} higher than I was told and again that is w/o the Sellers {$630.00}. I truly feel that XXXX had done a bait & switch with me. He got me to use him with his guarantee of grandfathered low costs and then charged me more than anyone else had quoted. 
I thought Veterans United was for helping veterans, but that is definitely not the case. I am rated XXXX XXXX   XXXX through the VA and I humbly ask you to have VUHL reimbursed me the XXXX in Origination fee & {$570.00} for the Appraisal fee. 
I have enclosed a copies of all loan & closing disclosure I received with the fees worksheet. 
Sincerely, XXXX XXXX