Consumer complaint received 2022-01-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

The complaint is against the lender, Loan Depot and XXXX XXXX, a HUD XXXX consultant. My husband and I initiated an FHA XXXX rehab loan with Loan Depot on XX/XX/XXXX. Loan Depot has their own " contractor and HUD consultant '' click. In other words, XXXX XXXX did not send a list of consultants from which we can choose, just offers one person, XXXX XXXX. 
First, Loan Depot would not accept some of my business income from XXXX because it is tax-free grants due to COVID-19. The loan officer, XXXX XXXX asked if my business would generate income in XXXX. I told him that I am not reporting non-taxable grants on a Schedule C just to get a loan. That is accounting XXXX XXXXXXXX. The complaint with Loan Depot is that their underwriter will not factor non taxable grants as business income. 
Second Complaint. 
I paid the consultant, XXXX XXXX, the {$1200.00} fee upfront on XX/XX/XXXX. I sent a text message on XX/XX/XXXX asking for a refund. XXXX did not reply to the text. I called him and said the underwriter did not factor in my non-taxable income from COVID business grants. XXXX said, " I can help you find a lender. '' I said, " I don't need you to find me a lender. 
I sent XXXX an email on XX/XX/XXXX titled, Demand to Return the {$1200.00}. XXXX Consultant fee. He replied he was on vacation until after the XXXX XXXX and he did not have his records with him. I replied and sent a copy of the check paid. I sent a letter by certified mail XX/XX/XXXX with the same demand to refund the fee of {$1200.00}. He responded on XX/XX/XXXX by email saying he rejects the refund. 
On XX/XX/XXXX, XXXX emailed a report, Specification of Repairs dated XX/XX/XXXX after his services were terminated. I replied, By the way, you sent the specification of repairs after I canceled your services and requested a refund. That is very unethical. I am filing a complaint with HUD. He replies, I accepted the document. Note, I did not accept-sign any such document. The information on the Statement of Repairs is not the information on Repair estimate # 3 drafted and sent by the Contractor, XXXX, XXXX. 
Also, I pulled my receipt for the {$1200.00} fee. One column says {$1200.00} paid, XXXX balance and in the middle the of document he hand-wrote, {$1000.00} paid XX/XX/XXXX, XXXX. XXXX emailed another invoice receipt dated XX/XX/XXXX with {$1200.00} hand-written in the middle of the page with my signature. I am concerned XXXX is able create my signature using his computer. 
Second, he created a document, Specification of Repairs with information that is not on the Contractors Estimate # 3 for which I accepted. For example, he listed basement, {$10000.00}. We do not have a basement. He listed Electrical {$10000.00} and the contractors estimate to upgrade the existing electrical panel to 200 amp and upgrade the existing heating and AC to 5 ton is {$13000.00}. XXXX. 

My husband is an XXXXyear-old military veteran and I am a senior. Loan Deport is taking advantage and also the consultant. I want XXXX XXXX to understand his services are terminated not because we wont accept a loan from Loan Depot, but he is deceptive and not credible.