Consumer complaint received 2016-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: GA

Complaint narrative:
I have been working with Cardinal for months. I sent you a complaint a few weeks ago. Nothing was done, but not things are even more serious. I think they are intentionally trying to make sure that my loan is denied, probably because I filed the complaint. I was suppose to close on XXXX. I did n't. Not because I had n't done what i was suppose to do, but because they kept changing the " fha guidelines ''. They constantly lie to me. I was told I had to verify funds of 1 % of the loan or more, but the day before closing they started demanding all this extra paperwork that is not required. They have contradicted themselves over and over and I think they are doing it on purpose. I did everything they asked. I got them the paperwork and then I was told underwriting had approved the loan, but because my score had changed ( It was still higher then then XXXX required for fha ) the president of the company would have to sign off on my loan. All of this on the day of closing. I 've never heard of such a thing happening. I was told the decision was to " refer ''. I know that means they would have to manually approve it, and because I had did everything they asked and they never told me there was a problem with anything i provided, i assumed it would be approved. They did n't approve it. I was given all these excuses and now I have less than 8 days to raise my score by XXXX points or lose XXXX dollars that could have been used towards my special needs child and the home. I ca n't afford to lose this home, but they have done so many things. I even asked if they were doing this because i was XXXX. Cause I ca n't think of any reason why they would be giving me such a hard time when i 've jumped through hoops to make this happen. I asked the loan processor, XXXX XXXX, if i needed to pay my credit cards down because the balance went up. I asked him this 2 weeks or more ago. He said NO. He said that as long as the minimum payment was low it would be fine. Now I 'm being told that I need to do whatever to raise my score, including paying down the balance on my credit card or I wo n't get the loan. I 'm in my extension period. I have paid down the credit cards as of yesterday and they are suppose to submit a rapid rescore on monday. I pray this will resolve the score issue, and I can finally close, but I feel that they are intentionally putting road blocks up. Why offer fha loans if you are n't going to follow the guidelines. They have me in a horrible position. They know this and they do n't seem to care. Oh and I was given conditional approval weeks ago and I was also told that underwriting approved everything but the president would n't sign off because my score had dropped and when asked to manually approve because the score drop was a mistake i was told she would n't. all of this on the day of closing.

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