Consumer complaint received 2024-05-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BROKER SOLUTIONS, INC. (TX)

I've had ongoing issues with the home purchase through NAF in XX/XX/2023. The issues with the origination process was outlined on a previous complaint. This new complaint is due to misrepresentations regarding the condition of the home I purchased. 

I purchased the home though the NAF Relocation program. This program required that I use XXXX XXXX. It was difficult but I worked with the realtor to find a home. Unfortunately, the home we found did not appraise, so the deal fell through. I had resigned that I would wait until more homes were available & pause my home search. 

About a week later I received a call from my realtor stating that he was in talks with the seller of the home I attempted to purchase before and that they were " willing to make a deal ''. We entered a contract for the appraised price & the seller would contribute {$9000.00} towards closing costs. The survey & appraisal were already completed during the prior purchase attempt, so all that was needed was an inspection. The inspection indicated some electrical issues, minor foundation shifting, a couple of windows needed sealing and a spot in the roof that needed repairing. What stood out to me is the realtor saying " The good thing about this house is there are no foundation issues. '' Many of the homes we viewed prior had major issues so this was a relief. Due to the other issues noted we asked for max seller concessions ( about $ XXXX ) and proceeded with the sale. 

I moved into the home in XX/XX/2023 and everything looked fine. I first noticed that many of the electrical outlets do not work. The inspection mentioned approx 2-3 outlets that were wired improperly, the outside outlets did not work & the home was double wired. I did not understand what this meant & the realtor did not see this as a major issue when reviewing the inspection.

More concerning is the many, massive cracks that have appeared in the walls, ceiling, over doorways & windows. There is also noticeable water intrusion that is occurring all over the home, through the ceiling & also through cracks in the wall. No room is spared, the are cracks & water intrusion in every part of the home. This was not pointed out in the inspection. 

I contacted a foundation company & was advised the foundation is damaged. There has been significant foundation movement since the inspection until now ( approx 7 months ). There is a seam going from the ceiling to the floor where the addition to the house was built. The arch in the transition where the back of the house used to be going to the addition is sagging & has significant cracks. The foundation tech advised the the old back of the home is collapsing inward & the addition is sinking outward so there is a disconnection taking place. Also, the side of the home where the bedrooms are located is sinking, The estimated repair costs are $ XXXX $ XXXX 

I called a roofing company to determine the cause of the water intrusion & why the ceiling are cracking & falling in. The roofer advised that the shingles in the joints of the roof were not installed properly which allows the water to get in. The estimate to repair/replace the roof is $ XXXX $ XXXX. 

There is only XXXX bathroom in the home. The wall of the shower has separated from the shower floor. What appeared to be grout was not, so it has washed away. I discovered that water leaks out the back of the home when the shower is running. The lower back of the home is saturated with water & the siding is coming off. I do not have an estimate for this yet. 

The drywall in the home is so compromised that the brand new cabinets that were installed by the seller are now pulling away from the wall. The curtains I hung are constantly falling because the screws can not be secured in the damaged walls. The seller installed new ceiling fans & light fixtures & there are cracks radiating from the holes where the fixtures were installed in each room. This is a safety issue. There is water intrusion around an electrical outlet in the XXXX bedroom, which is also a safety issue. 

I also discovered two areas on the back of the home where there is no wood or siding. There is just a big piece of thin sheet metal covering the hole in house. One is located by the kitchen plumbing, which explains why the pipes froze when the temperature dipped during the winter. The other spot is where the utilities connect to the home. I have not had a chance to investigate this issue. 

The AC/Heating does not work in the XXXX bedroom & in the addition to the home. I have not gotten an estimate for this issue. 

Twelve of thirteen windows need to be replaced. The inspection pointed out two. The estimate for this is $ XXXX From just what I know there is at least $ XXXX worth of repairs, but clearly I have not scratched the surface in finding the issues with this home. 

My issue is I purchased this home through a series of referrals. NAF referred to XXXX XXXX XXXX XXXX XXXX referred me to the inspector XXXX XXXX XXXX XXXX. Somehow, through all these referrals I wound up paying full market value for a home that essentially needs to be rebuilt from the ground up & has issues with every major system. The realtor, nor the inspector protected my interests which has put me in a financially perilous situation. I do not even have a home warranty. 

I called my realtor & he said a lot of nothing and advised he would call me back. This never happened. I called the inspector & he said the massive cracks are cosmetic and that I need to get the land graded & fix the one issue he identified during the inspection. Land grading & fixing one spot in the roof will not cause or cure the substantial structural issues with this home. I never heard from him again.

I called the seller 's agent to inquire as to what he & the seller 's knew about the condition of the home. Surprisingly, He read an email from my realtor stating that I would not come after the seller 's for any repairs if the give us an additional {$2000.00} ( max concessions )! This is not what we discussed. He gave aways my right for {$2000.00} and the home needs XXXX XXXX XXXX XXXX of dollars worth of work! The is blatant negligence. To add insult to injury, the closing docs show that the sellers only contributed {$8700.00} of the $ XXXX to closing. So, my rights were actually bartered away for {$0.00}. This is malpractice. I called NAF & they referred me to HUD & advised I go through insurance. 

I can not afford to make all of these repairs out of pocket & I am still required to make these mortgage payments. I am in the loan modification process to try and get better loan terms. I considered selling the home but I put all of the money I had into buying this home. I can not sell the home for what I bought it for which means I would walk away with nothing. I can not take that loss. This whole situation, from the issues during the loan origination to now realizing I overpaid for a home that need significant repairs has taken a toll on my mental state. I want to leave the home but I don't want to be out there renting with no savings. I have cried & I am worried and XXXX constantly, worried for my physical & financial future. 

NAF required me to use XXXX XXXX, and XXXX referred me to the inspector. Both of these entities failed to protect my interests.