Consumer complaint received 2016-01-28
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Movement Mortgage LLC (TN)

I applied for a mortgage w/ Movement Mortgage on XXXX XXXX XXXX. The process began as expected as this was the second loan i attempted to obtain on the property. Much more information than was initially indicated was requested, I 'm a XXXX myself so i understand that items outside of the customary documents are sometimes required. My issue is with the fact that midway through the process i was told my income verification was invalid because it was signed by a family member, who is the principal broker of the firm. I offered to have our in house attorney, who is not family, complete the form but then the loan office backed off and this did not come back up. Inconsistent. Then I was asked for a letter from our CPA confirming i had no ownership in the company, which I do not and was that was never implied nor does that show on the 3 years of tax returns that were supplied. This was a point of contention that was satisfied when i cc 'd my CPA on an email to confirm i had no ownership. Initially i was told i 'd have to obtain a letter, on paper, from my CPA w/ letterhead and that nothing else would suffice. When this became a point of contention w/ the seller 's agent ( who wo n't be named but is the one who referred me to this loan officer ) then an email somehow then sufficed at which point i asked for an approval or a denial letter because the contract date was approaching its end. I was told i was neither approved nor denied and that instead a withdrawal request would be submitted based on this request because i would n't agree to pay for the appraisal until the loan officer could tell me if i was approved, denied, or if more time/documents would be needed. At which point i again requested clarification, which i never received. The only response i got was that the email was satisfactory and that if i 'd agree to pay the {$500.00} for appraisal we could move forward and close on XXXX, which was two weeks out. Yet he would not say whether i was approved, denied, or if underwriting needed more time. Three days passed and the loan officer forwarded me the alleged communication between him and our CPA. I then asked my CPA for a copy of that same email and discovered that the loan officer had inserted his own choice of words into the email he forwarded me and falsified the email from my CPA. He had also, w/o my authorization, requested payroll records from my CPA when it was known all along that our payroll was in house as this too had been a sticking point that suddenly went away with no explanation. I had to provide copies of my homeowner 's insurance quote twice, as did my insurance agent, and was still told that the insurance quote was never provided. I went with this company because i was told he could close my loan in 10-14 days despite the new title regulations that went into effect on XXXX/XXXX/XXXX. 3 years of tax returns, XXXX different YTD income ledgers, 90 days of bank statements, a statement from my CPA stating no ownership in a company i never claimed to be anything more than an employee at, XXXX homeowners insurance quotes, XXXX copies of the contract, having to re-sign the online disclaimers twice and still could not be told that status of my loan then only to be ignored. I 've closed XXXX of dollars in real estate and worked with many different lenders and never dealt w/ someone so unethical and shady.