Consumer complaint received 2021-04-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc. (CA)

My daughter XXXX XXXX and began working with XXXX XXXX in early XX/XX/XXXX as our realtor who is employed by XXXX XXXX XXXX XXXX XXXX in XXXX Ca. We decided to make an offer on the home on XX/XX/XXXX. The original purchase price of the home was {$280000.00}. XXXX was able to talk the seller down to {$270000.00}. XXXX XXXX at American Financial Network was our assigned loan officer who helped us purchase the home under FHA. We began escrow for the home on XX/XX/XXXX with XXXX XXXX Escrow. XXXX XXXX at XXXX XXXX Escrow was the assigned escrow officer. On XX/XX/XXXX the buyer requested for items in the home to be fixed. These items include replacing the tiles on the roof where there was a leak, electric splices outside of junction box in the attic, the ground natural wires, fix the hole in drywall subpanel/damaged electric box in garage. On XX/XX/XXXX the buyer requested a reduction of {$8000.00} on the price of the home due to the missing tiles and electrical damages see The sellers agreed to fix the missing tiles and the items listed in the inspection report that were damaged. On the XX/XX/XXXX a document was prepared by XXXX that stated the seller did not fix the damaged sub-panel in the garage as agreed see attachment 10. XXXX assured us over the phone that the items would be fixed and we can proceed with signing documents to close the deal. Escrow was closed on XX/XX/XXXX. On XX/XX/XXXX a service request was made to XXXX  XXXX XXXX XXXX regarding electrical issues in the bedrooms see attachment 12. The ceiling fans and lights were not operating in any of the rooms. XXXX XXXX XXXX XXXX only serviced one of the bedroom because each separate room would be an additional request. XXXX XXXX sent XXXX an email on XX/XX/XXXX asking for receipts from the seller confirming that the repairs have been made. XXXX stated he does not have receipts for repairs because the seller never sent them they only signed off on the repair requests which were not repaired. On XX/XX/XXXX XXXX XXXX contacted XXXX supervisor XXXX XXXX by phone about the mailbox key we did not receive and the issues in the home. XXXX sent an email to XXXX about the phone call regarding the issues in the home. XXXX responded to XXXX about the concerns and XXXX never responded to back to XXXX email. On XX/XX/XXXX XXXX began to smell gas in the home. The home was red-tagged as a hazard by XXXX XXXX due to an internal gas leak. XXXX XXXX was able to resolve the leak. XXXX filed a complaint on XXXX to the Department of XXXX XXXX and got a response on XX/XX/XXXX. On XX/XX/XXXX a claim was made with home the warranty service XXXX XXXX XXXX warranty for failure to the ductwork located in the attic. XXXX XXXX XXXX XXXX was not able to repair the damages because the ductwork is collapsed or crushed which is not covered under the home warranty see attachments 16 & amp ; 17. On XX/XX/XXXX XXXX contacted XXXX XXXX XXXX XXXX about the electrical issues in the bedroom which they were not able to cover. On XX/XX/XXXX the Department of Real Estate stated this issue will need to be handled in court because it is a civil contractual matter. On XX/XX/XXXX it snowed heavily. It took about four days for the snow to melt. The walls were cold in the bonus room which is illegally built. We began to notice what looked like water behind the walls. On XX/XX/XXXX an insurance claim was filed with XXXX home insurance. On XX/XX/XXXX XXXX stated they will cover {$2300.00} for water damage in the bonus room. On XX/XX/XXXX XXXX also claimed they are not responsible for repairing the rood because this is excluded under the policy. XXXX contacted the loan service XXXX  XXXX to complain about the damages and the roof. XXXX stated they are not responsible for the damages as they were not the loan servicer when the home was purchased. The loan servicer at the time of purchase was XXXX XXXX XXXX who stated they are not responsible because they no longer have the loan with us. On XX/XX/XXXX XXXX spoke with HUD about the issues and conditions of the sale. The HUD representative XXXX, stated it would be best to speak to an attorney regarding the issue. On XX/XX/XXXX XXXX stated they will be closing the case for water damage. On XX/XX/XXXX XXXX stated they will not be responsible for repairs to the roof and instructed us to file a claim with our FHA loan or home warranty see attachment XXXX. On XX/XX/XXXX a claim was filed with XXXX regarding an additional leak behind the wall in the living room. Their document has the living room listed as master bedroom by mistake XX/XX/XXXX. On XX/XX/XXXX Wawanesa issued a check for {$2200.00} for the water damage in the living room. On XX/XX/XXXX we were assigned a Real Estate Special Investigator named XXXX XXXX by the Department of Real Estate who suggested we seek legal counsel. The windows in the home are drilled in and we can not open them. We had to purchase a new roof which costs us XXXX dollars. This home was supposed to be purchased under FHA but it had many hidden damages which are expensive to repair. We are still trying to figure out how we will be able to afford these fixtures. This is unacceptable under an FHA loan.