Consumer complaint received 2019-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
XXXX XXXX ( XXXX ) To : you Details AFFIDAVIT OF TRUTH Indeed, no more than ( affidavits ) is necessary to make the prima facie case. 
United States vs. Kis, 658F.2nd, 526, 536 ( 7th Cir. 1981 ) ; Cert Denied, 50 U.S.L.W. 2169 ; S> Ct XX/XX/XXXX XX/XX/XXXX For and on the record I hereby certify and swear the following statement is the Truth and nothing but the Truth. 

My name is XXXX XXXX and contacting and asking your company for help in the following issue : I am part owner through life estate of a property shared with XXXX XXXX XXXX, which is located at XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX County. This property was used in obtaining a mortgage on XX/XX/XXXX. The mortgage amount was {$200000.00} with a 30-year fixed interest rate of 3.990 % - 132 months through a Quicken Loans Company located at XXXX XXXX XXXX, XXXX, Michigan XXXX. 

Mortgage Banker XXXX XXXX ( Please See Attachments ) was the closing agent for the title company, XXXX XXXX, XXXX. This company performed the title search on the property of XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX dated XX/XX/XXXX and at that time the deed read in the following way ( Please refer back to attachments ). Hence, it was a direct endorsement approval for a HUD / FHA-insured mortgage - Loan number XXXX. 

On or about XXXX/ XX/XX/XXXX, XXXX XXXX XXXX went back to the same company Quicken Loan for a refinance. At that time, we were informed that the property could not be refinanced because of the life estate that was on our property and as a part of Quicken Loans policy. Specifically, according to this policy, they will not refinance or mortgage any property that has life estate attached to it. 

Being informed of this information that was not revealed or made known to Miss XXXX or myself, Mr. XXXX, when our home was first financed of this policy has shown a lack of transparency. Being that this contract is lacking or missing pertinent information for it to be formed and legitimate causes the note of said contract to be unenforceable. This oversight has created a bilateral mistake inside the body of said contract, which makes the subject matter ( Deed ) that the title company, XXXX XXXX XXXX./XXXX XXXX liable for said mortgage contract, which binds Ms. XXXX to this illegitimate debt. 

In order to cure this matter, I am proposing the following to be done : All monies paid from XX/XX/XXXX to the present into this illegitimate contract be returned to Mr. XXXX XXXX XXXX and Ms. XXXX XXXX XXXX with intertrest, without prejudice. 


Since being told that we can not refinance our home, we are receiving emails from same title company, using a different name XXXX XXXX from Mr. XXXX XXXX, that informed me Mr. XXXX that XXXX and XXXX XXXX are one of the same. I am concerned that different individuals are trying to ignore or bypass our issue and act as if it did not occur or exist. 

Please click on link for attachments https : XXXX Reply Reply All Forward

Company response to consumer: Closed with explanation