Consumer complaint received 2025-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
Complainant : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, OH XXXX Phone : XXXX Email : XXXX Mortgage Company : CrossCountry Mortgage XXXX XXXX, Loan Officer Loan Origination Date : XX/XX/year> Loan Type : FHA Residential Loan Amount : {$140000.00} Subject Property : XXXX XXXX XXXX, XXXX, OH XXXX Nature of the Complaint : Mortgage Fraud, Unfair Lending, and Loan Ineligibility Due to Concealed Defects I am filing this formal complaint to report fraudulent loan origination practices, negligence, concealment of material defects, and gross misrepresentation by CrossCountry Mortgage and its loan officer, XXXX XXXX. 
Despite representing this property as FHA-ready and move-in ready, it has since been proven that the home was uninhabitable, unsafe, non-compliant with FHA standards, and ineligible for traditional financing due to undisclosed structural, electrical, plumbing, and mold-related hazards.

Summary of Violations and Misconduct 1. Loan Approved Based on False and Incomplete Information The home was falsely represented as FHA-ready, but had severe code violations including : Unsafe and outdated electrical systems Mold and water damage throughout the basement and ceilings Structural damage to foundation and joists Flooding, leaking ceilings, and collapsed interior walls The loan was approved without verifying the true condition of the property, despite obvious red flags in inspection and appraisal records.

No due diligence was performed to ensure FHA compliance.

2. Failure to Disclose Material Defects CrossCountry Mortgage approved the loan without requiring accurate disclosures from the seller or realtor.

Known hazards were concealed or ignored during underwriting.

Internal communications between the lender and realtor ( s ) may reveal collusion or a pattern of ignoring defects to push the loan through for commission and grant approvals.

3. Violation of FHA Loan Guidelines The home was falsely advertised and underwritten as eligible for ADDI and other FHA grant programs.

FHA rules require safe, habitable, and code-compliant homes for loan approval this property clearly failed that standard.

This constitutes FHA loan fraud and places liability on the mortgage company for approving an ineligible property.

4. Lender Negligence and Failure to Protect Consumer I was a first-time buyer, a mother, and pregnant at the time of purchase.

I relied on the expertise and representations of the lender, who assured me the property was eligible and safe.

I have since suffered financial harm, health risks, and emotional distress due to the unsafe living conditions.

Damages and Harm Suffered I have been forced to live in a dangerous home with my children. 
My infant experienced XXXX XXXX XXXX which doctors now believe were tied to mold exposure. 
Ive had to pay thousands in emergency repairs, mold treatment, water remediation, and security costs. 
I had to withdraw over {$2800.00} from my XXXX XXXX XXXX XXXX to cover damage. 
My mortgage has increased from {$1100.00} to $ XXXX/month due to insurance premiums rising after repeated claims caused by defects I was never warned about. 
Ive lost work income

Company response to consumer: Closed with explanation