Consumer complaint received 2025-10-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: BROKER SOLUTIONS, INC.
State: WY

Complaint narrative:
XXXX XXXX XXXX : We went under contract in XX/XX/year> to purchase this home. The roof and septic inspections were completed in XX/XX/year>. 
We were supposed to close XX/XX/year>. XXXX days prior to closing, we were informed that we were going to be required to bring {$50000.00} to closing where we had been working under the understanding we were bringing little to nothing down from communications with XXXX. We had to back out of the contract and lost our {$1000.00} XXXX money deposit. 

XXXX XXXX XXXX : XX/XX/year> : We found the home on XXXX XXXX and the same day XXXX sent us over a pre-approval with the guarantee would could close in XXXX  days, which was the ONLY reason we did not switch lenders after what happened with XXXX XXXX. This meant our closing date was set to XX/XX/year>, but because it was a holiday weekend we set it to XX/XX/year> in the contract. XXXX should have been ordered this day it was not. 

XX/XX/year> : Sewer inspection completed and report provided XX/XX/year> : Roof inspection completed and report provided XX/XX/year> : Email from XXXX stating we are going to miss the XXXX and I will take the blame for that XX/XX/year> : Appraisal was ordered? ( I do not have the actual date this was ordered, XXXX never told me but it was not XX/XX/year>, like it should have been XX/XX/year> : We had to amend/extend closing, that set our new closing date range from XX/XX/year> to XX/XX/year>. Because of this delay, we had extend our rental agreement where we were living for XXXX more weeks ( up to XX/XX/XXXX ), which cost XXXX {$1400.00}. Note : This was Extension XXXX XXXX 

XX/XX/year> : XXXX link was resent to me and I paid that. I was under the impression that you XXXX was paying this because of the delay so we got that squared away but it should not have affected anything. 

XX/XX/year> : Email from XXXX stating she is still waiting on the appraisal to come in XX/XX/year> : We had to amend/extend closing AGAIN, that set our new closing date range from XX/XX/year> to XX/XX/year>. I was told everything was being done to close by XX/XX/year>, as we were homeless as of XX/XX/year> and my husband was being sent out of state for work. This was Extension XXXX XXXX 

XX/XX/year> : XXXX was completed and uploaded XX/XX/year> : Rental truck was obtained and instead of having it for XXXX days, it was used for storage for a full week, until XX/XX/year>, because of the delay in closing. This cost us {$1300.00} XX/XX/year> : I obtained a storage unit in XXXX as the truck was not large enough to hold all our items. This would not have occurred if we had closed on time and were able to place our items in our new home. The storage unit cost XXXX {$120.00} XX/XX/year> : I obtained a XXXX rental from XX/XX/XXXX XXXX in XXXX so my daughters and I, as well as our XXXX large labs had a place to live until closing. This cost XXXX {$1000.00} XX/XX/year> : We finally closed on the house. I had to hire movers to help unload the truck because my husband was out of the state for work because of the delay. This cost us {$280.00} The sole reason we continued with XXXX was the guarantee to close in XXXX  days to make up for the first fallout with XXXX XXXX, but the issues just kept coming and hopefully based on this timeline you can see beyond doubt the frustration with this entire thing. We are not first-time homebuyers and we are well aware that this never should have happened. 

In total, because of the issues with both home purchases/contracts and the subsequent delays we incurred excess costs and this is the amount of reimbursement I am requesting : XXXX. XXXX XXXX ( XXXX XXXX Pl ) : {$1000.00} XXXX. Extension of Rental Home through XX/XX/year> : {$1400.00} XXXX. Rental XXXX : {$1300.00} XXXX. XXXX XXXX : {$120.00} XXXX. XXXX : {$1000.00} XXXX. Movers : {$280.00} TOTAL REIMBURSEMENT REQUESTED : {$5200.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation