Consumer complaint received 2024-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Movement Mortgage LLC
State: AR

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XXXX ran my credit to start the process of buying a home, during this time we we under the lender XXXX XXXX who at the time said she was working for XXXX XXXX, 14 days later she convinced us the company was closing and we would have to move to XXXX XXXX but they will have all documentation and no need to a re-run of credit on XX/XX/XXXX XXXX XXXX XXXX ran my credit, I told the company I know longer wanted to work with XXXX XXXX XXXX my credit had took another hit, so I was moved to work with XXXX XXXX XXXX Things were smooth in the beginning, so we began to look for houses again, after not being able to find the perfect house and trying again XX/XX/XXXX we started the process again. XXXX XXXX was the lender on the job, I submitted all information and informed him from day XXXX that I will only be able to use XXXX XXXX if we were able to use a program my job offers called ( Work here live here ) that takes XXXX XXXX off a new build home. He begin by saying he havent done XXXX but he will look more into it. After constantly asking he ensure that movement in fact did the program and we can complete the process, after the company choose the appraisal it didnt come back until the day of closing. They ensured me it wasnt much they could do about it they have been asking for the report for over XXXX week. I paid for the appraisal a month prior. Once the appraisal was in he told me that we will be able to close on a day of XXXX after the original closing date because we would then be clear to close. Those next XXXX day we did not receive an update which lead into the weekend. The following XXXX I requested an update and he informed me that the title company, seller closing, and our closing had to get all information together is why it was taking some time. On XXXX XX/XX/XXXX XXXX called and told me to close I would need to bring XXXX to closing because I didnt qualify for the program. Being that I work for the certain location I asked how did I not qualify and thats the only requirement. He then begin to tell the truth on how movement was not grandfather in and XXXX XXXX was over the program and she has left in the process of us getting our loan. I asked them how do we fix this since this was a huge mistake on the mortgage company end, I had already purchased furniture, wood for a privacy fences and plenty other things because XXXX ensured that it was ok since it was coming from a checking account and not a credit card. The answer on how to fix it was he needed to talk to support, I never received a call or even an email back to help out, Since I wanted the home of my dream I had to find a new lender that did the program and were able to get me closed. XXXX XXXX and XXXX XXXX, has been very negligent, not honest, and cost me to be out of an enormous amount of money, I really do hope that they are held accountable for there actions. My credit score went down around XXXX within this process and they does not seem to care one bit.

Company response to consumer: Closed with explanation