Consumer complaint received 2017-11-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: GOLDEN EMPIRE MORTGAGE INCORPORATED (CA)

For the purpose of this complaint : The Lender is XXXX XXXX XXXX, and the Real Estate Company is XXXX XXXX Owned by Council Member XXXX XXXX of XXXX XXXX. It is my belief that XXXX XXXX XXXX, and XXXX XXXX acted in concert to defraud me. XXXX XXXX XXXX and XXXX XXXX are friends according to XXXX XXXX.
On XX/XX/XXXX XXXX XXXX XXXX of XXXX XXXX became my real estate agent. It was communicated to XXXX XXXX that we did not have any monies to do major repairs and we did not want a home that exceeded {$370000.00} price point. XXXX stated on numerous occasions that repairs would be minimal because it was an FHA loan. On XX/XX/XXXX XXXX XXXX XXXX. sent a Public Notary so that my husband and I could sign some escrow papers. However, that notary lady did not bring final documentation to my home it was given to XXXX XXXX XXXX of XXXX XXXX who then acted as a notary and had us signed the document at the late hours of the night on XX/XX/XXXX. I was given the keys to what is my home, and escrow had finally closed, but that happiness was short lived. On XX/XX/XXXX around XXXX my husband and I were given a yellow paper by my selling agent that read " Pre-sale Inspection & Correction List '' I asked my Agent XXXX XXXX what is this? He replied oh nothing just minor repairs but nothing to be alarmed about. On XX/XX/XXXX my husband called my brother who suggested that we go to the City of XXXX Building and Safety and speak to the inspector and find out what this all meant. The inspector that was assigned to my home was not in the office. I then asked the inspector at the counter questions regarding purchases of home. I then told the inspector at the help desk that I had just purchased a home in XXXX on XXXX XXXX XXXX. and we were given that yellow paper that same day that escrow closed. The Inspector stated, not according to my records no agent has been here to request a release from the City of XXXX and that yellow correction paper should had been given to you prior to closing escrow so that repairs could have been made then the inspector goes back and inspect your home to make sure repairs are completed and sign off on them. Then we showed him the Pre-Inspections Correction list that was issued by Inspector XXXX and he said we should just wait and that XXXX XXXX should be in shortly. Inspector XXXX walks in we show him Pre-Inspection & Correction List paper and the City inspector stated, the home needs a new roof because the roof is beat up and the roof has more than 2-layers, bathroom sink needed to be moved ( demolish, move pipes, new sink ) as to not obstruct entry to bathroom, the kitchen and bathroom all needed GFCIs. Inspector XXXX, also stated that my selling agent XXXX XXXX should have been there inquiring about permits and corrections prior to having closed escrow. Inspector XXXX, also stated that, previous owners updated windows and they did meet code or standards and that no one took out permits for cabinets either. XXXX XXXX also said that, I needed to hire a contractor ASAP and begin working on repairs or the City of XXXX would put a " lien on my property. I called my agent and he said that he would call seller and ask for help for roof and that he did not know anything about roof, windows, or sink needing to be moved. I called my agent XXXX XXXX at XXXX XXXX XXXX, in XXXX XXXX and told him I could n't afford the repairs he said he contact seller. I then spoke to my lender at Golden Empire XXXX XXXX and he stated " we 're going to help. I also asked if it was customary for FHA to approve loans with so many repairs and that I felt we were defrauded. On XX/XX/XXXX I XXXX XXXX called XXXX XXXX XXXX of XXXX XXXX XXXX XXXX and asked him, how is it possible that a home with so many needed repairs could have been approved by FHA.I also found some irregularities such as underwriting, loan origination , county reserve taxes ( does that mean I do n't pay taxes? ) and document prep fees in his invoicing and his response was that they used the paper in XXXX office. I then told him that I would be filing a complaint with the CFPB, CALBRE, BBB, Attorney General Office, and NAR. I XXXX XXXX also contacted XXXX XXXX ( Manager ) Via Phone on XX/XX/XXXX with XXXX XXXX XXXX about some irregularities on the billing and that I needed some answers as to how and why this loan was approved through FHA with repairs exceeding {$15000.00}. She stated that in her system the home Listing did not show any needed repairs and that she XXXX XXXX, was forwarding the information to her attorney. Today XX/XX/XXXXI received a called from XXXX XXXX, Chief Executive Compliance officer of XXXX XXXX XXXX  and he stated the he wanted copies of all documentation. I have been in contact with XXXX XXXXXXXX at XXXX XXXX XXXX, and have notified him that FHA has put a warning in their system with regards to this loan. XXXX XXXX XXXX at XXXX XXXX XXXX, should have pulled the loan on XX/XX/XXXX due to the fact that his clients were defrauded by his friend at XXXX XXXX and he was made aware.