Consumer complaint received 2025-11-11 00:00:00
Product: Mortgage — USDA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
Applying for a USDA 0 % down loan through LoanDepotXXXX XXXX  XXXX XXXX 

Conditionally approved on XX/XX/XXXX Mortgage Estimate through application process ( what we were conditionally approved for ) : Amount : {$280000.00} Rate : 5.25 % * Not locked * Monthly P & I : {$1500.00} Conditions included : Paystubs provided showing new pay from job ( XX/XX/XXXX ) Drivers license All credit cards paid off Proof of tax payments XXXX XXXX from boss that pay will not change after move On XX/XX/XXXX at XXXX text exchange between myself and XXXX XXXX rep XXXX XXXX once condition is met we can close without the government reopening Me : wait really?! Me : Does that mean we can move in? XXXX at XXXX so once the XX/XX/XXXX [ paystub ] is provided proving new income we submit to final underwriting which means ( if we pass final XXXX which we should ) that we will be set to close and move in this month later in exchange at XXXX from XXXX the only caveat is if the final XXXX isnt an automatic approval. But again based off what my manager said we should be good On XX/XX/XXXX at XXXX I received a phone call from XXXX XXXX XXXX XXXX same as above ) expressing that LoanDepot will honor the closing of the house after providing my final paystub ( XX/XX/XXXX paystub ) and that we will be able to move in regardless of USDA XXXX. See text exchange above. 

On XX/XX/XXXX at XXXX I received a phone call from XXXX XXXX at XXXX Mortgage XXXX XXXX XXXX same as above. She even went as far as to say start planning your move and expect to sign documents for closing between XXXX depending on length of line with underwriting. Based on this information we have secured a moving company/plane tickets for my wife and one year old son/rental cars/family arrangements etc On XX/XX/XXXX during the same phone call with XXXX, we agreed to a rate lock of 4.99 % On XX/XX/XXXX Documents signed for rate lock New estimate as of XX/XX/XXXX {$280000.00} Rate : 4.99 % LOCKED Monthly P & I : {$1500.00} On XX/XX/XXXX at XXXX I received new disclosure documents for an entirely new loan. This came from XXXX XXXX email/letter head with XXXX XXXX XXXX FHA Loan Amount : {$270000.00} Rate : 6.25 % Lien : 7.426 % Monthly P & I : {$1600.00} On XX/XX/XXXX at XXXX I start the process to review new disclosures. Begin signing before stopping realizing the information was vastly incorrect. 

On XX/XX/XXXX at XXXX I sent a text to XXXX XXXX XXXX same as above ) Hi! I'm reading through the disclosures and it says FHA on page 9. I'm thinking there's quite a bit on here that's different from the first one? Me at XXXX Has the rate lock at 6.25 % Me at XXXX I'm not going to sign any of that until I get some clarity on it. 

On XX/XX/XXXX at XXXX from XXXX XXXX you received didn't come from me. Let me see what it is and I'll call you back after my next two loan application appointments. This evening. Probably around XXXX cst or XXXX your time. 

On XX/XX/XXXX at XXXX XXXX XXXX me to express that the loan has changed without my knowledge or acceptance. She went as far as to say Im just a messenger

Company response to consumer: Closed with explanation