Consumer complaint received 2025-03-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: United Shore Financial Services, LLC
State: AL

Complaint narrative:
The process of this mortgage and house build has been a chaotic mess and even if this situation is resolved I reserve my right to amend/submit another complaint in the near future. 
I had to fight between the Mortgage Company and the Builder to get all the documentation in to even start the build finally closing on XX/XX/XXXX. 
As the process went on it was constant emails from one or the other stating paperwork was not submitted or paperwork was not submitted correctly. 
When it came to the final days ( closing was XX/XX/XXXX ) I was informed on XX/XX/XXXX there was issues and final draws had not been sent by the builder ( XXXX XXXX ) only to find out from the Mortgage Company that Final Draws had not even been requested nor had Certificate of Occupancy been Obtained. 
When it came to closing day it was the worst closing I have ever had as I had already agreed to writing my final check of {$16000.00} which if I had not have been able to I would still be living out of an empty house and XXXX  up until 2 weeks ago. 
During the time From XX/XX/XXXX - Present I contacted both the Builder, UWM and UWMs contractor XXXX  to try to ensure everyone had everything they needed in order to close out my construction loan accordingly. I even coordinated letting them know I would be out of country and unavailable certain dates and timely and of course that is when they tried to reach me. 
UWM from XX/XX/XXXX- XXXX has tacked on months and months of unnecessary interest to my loan due to failing to close out my loan timely which amounts to what a normal monthly payment would actually be. An employee from UWM even had the nerve to tell me it was fine because I didn't have to pay a mortgage which sent me to tears and anger because I understand all that is doing is raising the principal of my mortgage in the long run. 
I have also inquired about my {$16000.00} check that was supposed to be refunded to me. when I wrote it XXXX representatives told me that everything should have been resolved in 2-4 weeks. it is now 4 Months later and I still have not received my check and am not being told it was sent to the Builder ( XXXX ) and they are unable to get the funds back because they can not reach them. 
That {$16000.00} should have been back in my account drawing interest or invested instead of sitting in UWM 's account and now XXXX 's months ago after XXXX had me fill out paperwork on where to have the funds sent and even asked me for it a second time. 
And Now I have also had estimated $ XXXX of extra interest added to my loan that was unnecessary due to the lack of concern of this company in reconciling my loan to a proper mortgage. 
When they had the VA inspector try to get in touch with me he was either provided with or pulled a phone number from an old VA file that was no longer mine which I have never provided UWM or XXXX  as my local lender even double checked to see what was on my applications. 
I am extremely frustrated at this point and this house purchase from top to bottom has been a complete nightmare including having loss of funds and funds that are owed back to me missing.

Company response to consumer: Closed with explanation