Consumer complaint received 07/18/2017 about Mortgage (FHA mortgage) with FIRST CHOICE LENDING SERVICES, LLC (TN).
Issue: Closing on a mortgage

Complaint: Met XXXX XXXX in XXXX XXXX XXXX XXXX.   
This is to XXXX XXXX  with Girdt Chouce lending in XXXX Tn

Thank for any help

Sent from XXXX Mobile Mail

OnXX/XX/XXXX, XXXX  wrote: XXXX XXXX I did not want to write this letter but at this point I don't feel it will matter to you either way.   
My name is XXXX XXXX and your client,XXXX XXXX, was supposed to buy my home.
My husband and I are recently married and my small home went from housing my son and myself to housing XXXX people. XXXX of the family are teenage boys. One son is sleeping in the loft on the floor.  
After we received our XXXX income tax return we decided to sell "my" home and look for a family home.   I saw , what I thought was the,  perfect home"  but did not go look at it until I had a contract on my house.   On XX/XX/XXXX we accepted an offer from XXXX XXXX which was almost $10,000 less than asking price.   The house was originally priced at $XXXX  when XXXX XXXX first viewed the home. 
The home is very cozy, quaint and has a great view of XXXX XXXX XXXX.   I have put approximately $15,000 in the home since I purchased it 2 years ago.   When I bought the home the washer and dryer were outside, on the porch, by the front door.   The alliances covered the kitchen and bathroom windows and had been outside since the home was built.  I had a professional wire and plumb inside the home and made the outside look100% better.  The washer and dryer were partially covered but the back was open and touched the wood of the home.  This has cause some damage to the wood and was this way when I bought the home in XXXX. 
I have paid for many updates which you should have a list of
I've said all this to say, we found the perfect home.  I  fell in love the minute I walked in on XX/XX/XXXX.  IIt was my dream home.  When I found out it belonged to a veteran who served XXXX XXXX in XXXX and XXXX in the XXXX XXXX,I felt so thankful to possibly live in this home.   (My son is in the XXXX XXXX now and is serving on the XXXX XXXX XXXX. ).  While reading the information about the now deceased owner of this home, I learned his widow had accepted our offer on this home.  I cried and was so thankful for this wonderful opportunity. 
Our realtor ,XXXX XXXX kept us informed throughout this process and closings were set for XX/XX/XXXX.  We were told that XXXX XXXX would do a final walk through on XX/XX/XXXX and the house should be empty and move in ready byXX/XX/XXXX.  At XXXX XXXX , On XX/XX/XXXX, we learned that XXXX XXXX needed a cosigner.  This was less than 48 hours before closing . Almost all of our belongings were in two moving trucks that we had rented. We had hotel reservations for XX/XX/XXXX.   This was the first time we heard of any problem regarding the sell of my home.   
We were able to extend both contracts till XX/XX/XXXXbut had to keep the trucks loaded the entire time. 
On XX/XX/XXXX we learned there were some repairs that we were NEVER notified about.  Our realtor was told the appraisal was "fine" and the home appraised at XXXX.  
At this point we have sold our storage building and belongings are still in rental trucks 
XXXX XXXX states he will do the repairs himself and for us to get an estimate.  We did that too
We have done everything to proceed.  My loan was preaporved months ago and the lady we were buying from is a XXXX year old widow sleeping on a mat on the floor.   This lady is trying to move to be with her children.  
Once again we both signed an extension till XX/XX/XXXX.  
Now I've said all this.  You have XXXX families, 3 lenders , 3 real estate agents and extended people in limbo. 
We all should have known about problems after the appraisal on XX/XX/XXXX  or way before the XX/XX/XXXX closing!!!!!
If you, or your company, was not going to approve XXXX XXXX loan we should have been notified so we could get another buyer.  
The house we want will be going back on the market this Friday. XX/XX/XXXX.. I can't say I blame the owner   She just wants to move as we did.  
I have bought new furniture, picked out paint and new decor.    Our teenagers have worked hard to help us pack and move to this new larger home. They were going to be rewarded by earning money to decorate their new living quarters.  
I want you to be aware that your companies errors and lack of compassion has left many people hurt financially and physiologically.    
You may not care about this at all but I do know that what goes around comes around and it will happen.   

You could have prevented or corrected this before damages had incurred.  We would like this resolved
ASAP. 
We will be reporting this to the appropriate people 

 



XXXX XXXX XXXX 
Sent

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation