Consumer complaint received 2024-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Acrisure Mortgage Partners, LLC
State: FL

Complaint narrative:
In XXXX I visited XXXX homes in Citrus spring and the agent said I could hold the home on their listing not built yet for {$500.00} first and work with their preferred lender RMC Mortgage and talk to XXXX. I called XXXX and I completed the application online, he pulled my credit report and said that first I need to work on fixing my credit to bring my score to XXXX to qualify for FHA loan and with down payment assistance with Hometown hero. He also advise that hometown hero are depleted in funds so he didnt want to approve me unless I can come up with a down payment from gift. I told him I will ask my parent and let him know. In XXXX I called him and told him that my parent would be able to help with down payment. So he said ok and let the builder know. I contacted XXXX agent and told her he said Im good to go. So she ask for a pre approval. I said he didnt give me any pre approval letter. I called him back and he said theres no pre approval letter just tell them is ok to move on. So I text her back said is ok. She was surprised and I was as well. The builder is sending me a link to pay the remaining deposit to hold the house of {$2000.00} which she assured me would get it back if I get decline. Also this agent never mentioned at our first meeting that there was {$2000.00} remaining to deposit. I was caught off guard. So XXXX is building the home and the agent said expect about XXXX or XXXX  months to be completed which could be approximately around mid XXXX or XXXX which is perfect because of the timing to fix my credit. But in XXXX around thanksgiving I get an email from the title company that the home is almost complete and schedule a closing on XX/XX/XXXX. I then text the agent at XXXX if the house is almost complete and she said yes. I called my aunt if I could borrow money to pay off some card so I can get qualified for the loan. She agrees but then later she couldnt. I called XXXX and text and didnt get any answers back instead He called the builder agent to let her know of my situation instead of talking to me. I was notify by email from the XXXX credit bureau that RMC pulled my report thats the XXXX time. When I finally talked to him I told him that my parent were not able to help me with down payment anymore and if he had any other options for me. he said that even if I had a co signer my score was too low. And I wouldnt make it on time and I would need a down payment And recommend to talk to the builder. The builder asks me if I want to cancel or find another lender. I told her I couldnt find any lender who could approve me in such short time and with a low score. On the XXXX and XXXX XXXX nobody called or texted me about what was going on. Even the title didnt tell me if I had to be there at the closing or if they extend it. On the XXXX XXXX I finally email everyone including XXXX and his manager and the builder agent, the title company and my agent and let them know why he wouldnt decline me if he know I cant make it and why nobody is answering me. He email back said that I couldnt meet their criterias and had to work with the builder. The builder agent is giving no option besides finding another lender or cancel the contract which I would loose my XXXX deposit of {$2500.00}. The builder agent asks me if an extension of the contract would help, I said it depends if I get approve from another lender with my score and also get a down payment assistance. She said she would talk to her boss see if they could extend and honor the closing cost as well. Meanwhile, I talk to XXXX or XXXX lenders already who looked at my report and they all said the same thing, it would be hard for me to get a down payment assistance with XXXX. I am really stressed as how he got me pre approved without a pre approval letter and not giving me a denial letter after pulling twice.

Company response to consumer: Closed with explanation