Consumer complaint received 10/21/2016 about Mortgage (VA mortgage) with Mortgage Research Center, LLC (NC).
Issue: Application, originator, mortgage broker

Complaint: My name is XXXX XXXX and I am a XXXX veteran. I recently relocated from XXXX to XXXX 6 months ago. My children and I are also victims XXXX. I contacted Veterans United Home Loans in order to purchase a home in XXXX State. My search took some months and I originally found a home to purchase at XXXX XXXX XXXX in XXXXXXXX. On XXXX XXXX I contacted Broker XXXX XXXX XXXX in XXXX that my brother had passed in XXXX XXXX and I was needed to care for my ailing adoptive mother/Aunt who resided in the household. I submitted a copy of my adoptive brother 's obituary to both my loan officer XXXX XXXX at Veteran 's United and XXXX XXXX XXXX XXXX. I was referred to Broker XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX who sent at a list of properties to select from, via email. Due to my mandatory care of my XXXX sons XXXX, I was unable to make frequent trips to the dwelling I chose, which was XXXX XXXX XXXX, XXXX, XXXX XXXX. I expressed to the Broker, XXXX XXXX XXXX, that our transactions had to be done through email and he agreed that the documents would be sent through DocuSign. At no time was there a mention of roof damage. I was informed that the Contractor, XXXX Construction, were responsible for all minor repairs that were found after the alleged home inspection by by Home Inspector XXXX XXXX report I never received to date and a completion of service from XXXX XXXX, I never received. 
Upon being informed that all necessary documents and repairs were signed, I was instructed by Broker XXXX XXXX XXXX, that my date for signing the closing was XXXX XXXX, 2016. I did a walk through of the house on XXXX XXXX, 2016 and everything appeared to be in order. Mind you, I had no idea what to look for and felt assured that are parties involved had my best interest at heart since I was a veteran and was forth with with what had recently occurred in my life with the loss of my brother. My sons and I moved into the home on XXXX XXXX, 2016 and water started coming into my son 's bedroom on XXXX XXXX, 2016. I contacted both my home insurance, XXXX XXXX XXXX and file a claim- # XXXX. A claim adjuster came out the following week and on XXXX XXXX, 2016 I received a report back from XXXX XXXX XXXX XXXX, indicating that the roof deterioration was from wear and tear. I telephoned XXXX XXXX and informed her how could a newly purchased house have wear and tear on a roof that I utilized for only one week. The cost for repairs on my behalf was quoted as being {$900.00}. I contact Broker XXXX XXXX XXXX and he attempted to assure me that the roof was never a factor for leakage. I called Broker XXXX XXXX XXXX on numerous complaining about numerous leaks and on XXXX XXXX, 2016, he finally brought by the contractor, XXXX and his work crew. The work crew removed my toilet to see where the leak was coming from the second floor to the first floor and when it was all over, my toilet was left non functional and a gaping hole was cut out my ceiling, which to date is till in existence. 
When Hurricane XXXX came threw XXXX my home was affected. There was XXXX room of water damage from a faulty roof with wear and tear and cosmetic repair by the seller around the pipe boots as per the Claims Adjuster XXXX XXXX XXXX for XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX of XXXX indicated that there was mold in the attic installation and dampness within the sheet rock which indicates that there was water damage beyond 6 months. My new claim is now # XXXX. I am still running into a brick wall and I applied for XXXX assistance and they referred me to XXXX. for a loan. I can not win in this matter. Both XXXX and XXXX XXXX Warranty denied my claim due to a faulty roof, prev.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation