Consumer complaint received 2015-05-01
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NVR INC. (FL)

1. On Friday, XX/XX/XXXX XXXX we sent an inquiry to the CFPB regarding XXXX XXXX ( NVR ) steering us into a loan from their mortgage company, XXXX XXXX Mortgage ( XXXX ) under the guise of incentives while their XXXX loan originator steered us into their most expensive loan with exorbitant rates, fees and junk fees. That inquiry contains more than the XXXX characters that the CFPB Complaint Submission form allows. We would like to incorporate that document. We also have supporting documentation. 

Since XXXX XXXX, NVR has attempted to " terminate '' the sales contract that we have fully complied with simply because we refused to continue with XXXX without a new GFE. XXXX 's exorbitant fees more than outweighed the financial incentives they offered. We have already provided NVR with XXXX copies of the " pre-approval '' that NVR sales agents specifically requested from us to comply with the mortgage clause in our sales contract. This " pre-approval '' meets the stated and written requirements of NVR 's sales agents, the NVR sales contract and the accompanying NVR " Homeowner Documents '' binder, it is also the only " approval '' that may be obtained without a completed build and an appraisal of sufficient value. We also have several other lenders awaiting the completion of our build to quote our end loan, which may only be approved once the build is complete and the appraisal comes in at or above the sales price. Contrary to all of NVR 's prior communications, immediately after we informed NVR that we would not obtain our loan through XXXX, NVR breached our contract. NVR also delivered a WORTHLESS CHECK to us as part of NVR 's attempt to justify selling our lot to someone else, while we have a valid sales contract and a {$10000.00} deposit with NVR. We made our initial deposit to reserve our lot back in XX/XX/XXXX. Even so, NVR has just begun building a house on our lot that is not the house that we have spent four months, making selections, mortgage applications and other plans for. NVR is building on our lot while there are several surrounding lots adjacent to it. 

To make matters worse, when I attempted to notify the President of XXXX ( NVR ) of the unethical and illegal practices of NVR 's employees here in the State of XXXX, NVR employees continuously lied to me and ultimately refused to put me through to the President 's office. Instead, this is the last response that we received from NVR and XXXX. 

" XXXX, As you should know from prior correspondence, I serve as Vice President and General Counsel of NVR , Inc. XXXX XXXX XXXX. The issues you have raised have been fully discussed in multiple emails and other correspondence. We are not going to continue to debate these issues. If you have a claim, file it. Any other communications should be addressed exclusively to me but as noted above we are not going to engage in an ongoing debate. End of story. XXXX XXXX XXXX, XXXX. The XXXX XXXX Firm P.C. XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Telephone : ( XXXX ) XXXX Facsimile : ( XXXX ) XXXX Email : XXXXXXXXXXXX '' XXXX XXXX considers my contacting XXXX regarding their sending us a WORTHLESS CHECK, and other NVR errors and omissions as well as NVR unethical and illegal activities, to be an ongoing " debate. '' We certainly do n't consider our attempts to enforce our sales contract or to recover our funds " to be an ongoing 'debate. ' ''