Consumer complaint received 2017-10-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: 1st Florida Lending CORP
State: FL

Complaint narrative:
Lender XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX # XXXX. The loan was a XXXX loan. Please note the following key dates : Effective date of contract : XXXX/XXXX/XXXX Escrow due date : XXXX/XXXX/XXXX Loan Commitment : XXXX/XXXX/XXXX Closing date : on or before XXXX/XXXX/XXXX My husband, and I are selling a house and the buyer, a client of XXXX XXXX XXXX XXXX XXXX XXXX, put an offer on our house. The buyer put a {XXXX escrow down as part of our signed contract agreement for him to purchase the house. XXXX days prior to the closing on the sale, we asked to schedule the time of closing. At that time we were verbally notified that the buyer, could not close due to a change in his job. Per an email dated XXXX/XXXX/XXXX ( please note AFTER the closing date XXXX from XXXX XXXX, " The buyer was forced to resign from his position at XXXX XXXX due to a XXXX XXXX and subsequently we declined his loan based upon lack of income at no fault of his own! ". At no time during the entire contract timeline of the sale did they inform us that he had a XXXX XXXX during the sale. Just XXXX day AFTER the deadline of the closing date/sale did they inform us that he had a XXXX XXXX ( at some point in his life we have no idea if it was even during the sale timeline ). Per XXXX XXXX, his client is a XXXX XXXX and they requested us to give back the escrow. The problems we have with XXXX XXXX are in relation to his own words in an e-mail to our XXXX XXXX XXXX, and therefore to my husband and I, XXXX XXXX states that : " Based on my own personally experiences with Veterans in matters like this. 
- Contract issues becomes secondary over the XXXX  and well being of a XXXX veteran/XXXX XXXX 
- The cost to defend yourself if escalated, would far exceed the money owned. 
- Dealing with XXXX 's grievance committee is horrible experience even if you prevail - Negative reviews on local and social media XXXX impact you and the brand. '' Additionally, XXXX XXXX alludes to discrimination by us when he also states in same email, the buyer 'will also seek legal guidance on XXXX next week on other legal options under XXXX XXXX XXXX for alleged discrimination against a XXXX veteran. A lender such as XXXX XXXX has no business threatening local and social media impacts on us or our agent. XXXX XXXX has no business eluding to discrimination by sellers that simply expect the signed contract terms to remain in effect and enforced due XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, refusal to grant a XXXX XXXX a loan simply because he had a XXXX XXXX some time in the past. XXXX XXXX XXXX XXXX XXXX XXXX XXXX has discriminated against this veteran by not trying to rework the deal and grant him the loan. We really do not know how or why the threat of legal action against us for discrimination even has become part of this, but I can assure you we have not discriminated against his client in any way. We simply expect the contract terms to be followed as it related to escrow. Escrow is there to ensure the buyer is working in good faith to buy a property. We took our house off the market so that XXXX XXXX client could buy our house. Now that the buyer has been refused a loan by XXXX XXXX, we now have to incur additional costs ( power, lawn service, pool service, phone service, property taxes, insurance, alarm system monitoring and home staging furnishings XXXX. My husband and I are not punishing the buyer for not being able to close the deal. We are covering true expenses that we have due to XXXX XXXX and his company refusing to grant a loan. We have done XXXX XXXX and to have XXXX XXXX instruct ( his words per same email ) and direct his client to file a grievance and to seek discrimination claims against us and our agent is despicable. We now feel as if we are being held XXXX by not legally and ethically receiving the agreed upon escrow monies and are having to face potential loss of all/partial escrow monies due to these threats. XXXX XXXX performed in an unethical and unprofessional manner by threatening us with legal action, by refusing to release escrow funds to us, by instructing his client to file baseless grievances and by providing private and XXXX related information to us on the buyer. We believe XXXX XXXX giving us all his clients past XXXX issues is an extremely unethical thing to do. Someone 's XXXX issue is a private matter and is protected by XXXX regulations. 
We have the e-mails from XXXX XXXX to back up everything stated within this claim. We are willing to provide this supporting documentation to you, if you would like a copy. As a side note, my father proudly served in the XXXX during the XXXX XXXX for a number of years and was also in combat. My husbands XXXX  retired from the XXXX XXXX with XXXX years service. He is partially XXXX as a result of being XXXX XXXX in XXXX during the XXXX XXXX. So to be XXXX  with discrimination against a military veteran is XXXX wrong and inaccurate ; my husband and I are very pro military.

Company response to consumer: Closed with explanation