Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: INDEPENDENCE HOME LOANS LLC
State: VA

Complaint narrative:
I am filing a new complaint regarding Independence Home Loans LLC due to improper contact, misrepresentation, coercive inducements, and serious document and esignature compliance concerns related to a XXXX  XXXX XXXX loan that I did not apply for, did not authorize, and was not a borrower on.

1. I was not the borrower on this loan, did not apply for this loan, and did not authorize any involvement. The 2025 loan application was submitted solely by my wife, who resides in another state. I reside in Virginia. Despite this, the loan officer repeatedly contacted me attempting to schedule a signing appointment.

2. The signing packet I was given contained multiple blank documents, including blank Affidavit of Title pages and other blank documents related to my ownership interest. These blank documents were included inside the official closing package. I was pressured to sign the entire packet, even though several documents were blank and others contained misspellings, inaccurate information, and incorrect references. No consumer should ever be asked or pressured to sign blank or inaccurate documents in a mortgage transaction. This raises serious concerns about document integrity, potential misuse, and compliance violations.

3. After I refused to sign the packet due to the blank and inaccurate documents, the loan officer offered me a {$300.00} gift card. When I still refused, I was offered a {$500.00} gift card. These inducements were inappropriate, coercive, and raise serious concerns about the legitimacy of the transaction.

4. I also received a separate phone call and text message from an individual claiming to be the loan officers supervisor ( boss ). This person attempted to reassure me that the loan officers actions were legitimate and encouraged me to sign documents. All calls and texts came from personal cell phones. If the lender claims they have no internal record of these contacts, that would indicate a failure to maintain required communication logs, which is itself a compliance violation. 5. My wife emailed me askin
g me to sign documents. Independence Home Loans was aware that we live in different states. Any electronic signature attributed to me that originated from her email address, her device, or her location should have been an immediate compliance red flag.

6. The lenders previous response falsely stated that I took one document from the notary appointment. This is incorrect. The notary provided me with the entire unsigned closing package ( over 100 pages ) and told me I could keep it since I would not be signing. I still have the full package.

7. The lender misrepresented this transaction as the second part of your loan, which is false. I did not apply for a second loan, did not initiate a 2025 application, and did not request any additional transaction.

8. The lender told me to ask your wife who signed, which is not an acceptable response under federal esignature laws. It is the lenders responsibilitynot mineto maintain and produce the XXXX esignature XXXX XXXX, XXXX of XXXX, XXXX XXXX, authentication method, device metadata, and identityverification records. 

9. To date, Independence Home Loans has not provided any of the required esignature compliance documentation. They have not provided the XXXX XXXX XXXX or any identityverification evidence necessary to validate the signature attributed to me. 

10. The lenders internal statements contradict the facts. They claim I signed disclosures, yet I have the full unsigned closing package. They claim I left with one document, yet I left with the entire package. They claim the loan was the second part of my loan, which is untrue. They claim I should ask my wife who signed, which suggests they accepted a signature from the wrong person or location. 

Given these issuesimproper contact, misrepresentation, coercive inducements, interstate signature concerns, false statements about the notary appointment, and the failure to provide required audit documentationI am requesting that the CFPB require Independence Home Loans to : Produce the full DocMagic esignature audit trail Provide IP address logs and authentication records Identify the individual who contacted me claiming to be the loan officers supervisor Provide licensing information for all individuals who contacted me Explain why a nonborrower was contacted and pressured Explain why blank ownershiprelated documents were included in the closing package Explain why gift cards were offered after I refused to sign Correct their inaccurate statements Demonstrate compliance with federal esignature and mortgagelending standards I am prepared to provide the full unsigned closing package and additional documentation upon request.

Company response to consumer: Closed with explanation