Consumer complaint received 2024-11-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: AMERISAVE MORTGAGE CORPORATION
State: KS

Complaint narrative:
I started my loan process with Amerisave mortgage in XX/XX/year>. The process was online and then I got a call from a loan officer by the name of XXXX XXXX. She promised me having on earth and also said I would need to pay a {$500.00} refundable fee for an appraisal and after, they would be able to give me a certified approval which would lock in my rates and make things easier for me During closing, I obliged and paid The {$500.00}. After that payment was made, XXXX stopped reaching out to me, As a first time buyer, I had questions but anytime I needed to ask that question she would not answer her calls or would try to sway off my question. I wanted a VA loan from the jump, but she tried swinging me into getting an FHA instead. I TOLD HER I WAS NOT INTERESTED IN FHA BECAUSE IM A VETERAN. SHE HAD HER REASONS WHY I WILL I SHOULD BUT I STILL Insisted. I last spoke to XXXX in XXXX and haven't heard from her till today XXXX. I reported to the consumer service department and was told they would get back to me. Didn't get a call till I bugged them again and again and got a call from someone who told me something completely different from what I was previously told by XXXX and told me my closing cost would come back to be about {$9000.00}. Few days after I havent heard from XXXX. I got a call from a lady by the name of XXXX XXXX. she was the processor and processed everything after a long time. I got a certified approval after a month, which was initially supposed to be in a few days based off of what XXXX told me immediately I got my certified approval. I started looking for a home wouldnt two days I found a home contacted XXXX  and the process got started. The first red flag was when I wasnt able to ask questions I needed because I wasnt able to reach out to XXXX. I contacted the customer service to make a report and ask for a new loan officer. Nothing was done. No new officer was given to me and they kept insisting that XXXX was my loan officer I told them XXXX hasnt been answering my calls and I need someone that would be able to answer questions that I needed answered, they Insisted XXXX was still my loan officer. Because I still try reaching out to XXXX and did not get a response, I started talking to XXXX  regarding questions I had. My realtor spoke with XXXX and she told my realtor that my closing cost is 3.5 % of the home. We made some calculations and decided to ask the seller to make {$8000.00} payment. Why will make the rest. After the agreement was signed with the sellers, I was told I needed to come up with extra {$9000.00} aside from the {$8000.00} Sellers credit plus {$1000.00} I paid to the title company which brings a total to almost {$20000.00}. I obliged because I was told that the money just had to be in my account. Fast forward to XXXX I sent out my bank statements showing the money they requested. A few minutes later I contacted XXXX  and told her I have sent over my bank statement immediately she told me I would need to come up with {$11000.00} instead of the initial {$9000.00}. Mind you this is more Then the initial 3.5 % XXXX told me and it is a few days to my closing. I requested to get the loan disclosure to find out where the discrepancies were. But was told they would send it over to me, but they never did so today XX/XX/year>. Im in a verge of being homeless because I am to move out of my home by on XXXX XX/XX/year>. I put all my trust in Amerisave mortgage And they have lied to me from the beginning and lured me into things Im not supposed to be into.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation