Consumer complaint received 2024-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: NEXA Mortgage, LLC
State: CA

Complaint narrative:
Loan # XXXX -- -- - Mortgage company : Nexa Mortgage LLC ( nmls # XXXX ) XXXX XXXX, Loan Officer ( nmls # XXXX ) ( ph # XXXX ) XXXX XXXX, Contractor ( ph # XXXX ) ( I don't have a license # from him ) -- -- Further detailing : Mortgage loan officer has strung me along for XXXX months telling me she can do a one time close construction loan to covert to regular mortgage. 

Applied for loan XX/XX/XXXX, she kept telling me everything is good. XX/XX/XXXX issued me pre-approval letter. XXXX XXXX XXXX she found contractor to comply with loan she was offering. 

XX/XX/XXXX she had contract from contractor. She also verbally informed me that the contractor & manufactured home broker wanted to buy part of my property. She mentioned this to me 5-6 times about this over next month. I kept telling her that I wanted to have our home set up & us living there BEFOREwe do anything else with remainder of property. 

In XX/XX/XXXX she informed me sh had handed my loan in for underwriting, was kicked back, she was very vague about it, thinking was something with my business license. I checked, it was valid. 

Up until then, I had trusted her with my situation to look out for me and my interest. But, At that point I became very suspicious. She has NEVER checked credit on my wife ( she's run 4 hard credit checks on me ). I never signed any docusign pages, allowances either. 

Furthermore, I called the contractor and demanded to see the contract for the building project. He said he would send it to me. But, he called the loan agent, she instructed him to NOT give it to me. She called me and also REFUSED to disclose the contract to me also. 

I also asked the contractor if he ( & the home broker ) had indeed asked HER ( ( loan agent ) about me selling/bartering part of my property. HE KNEW NOTHING ABOUT THIS. ( loan agent lied ). 

And more. I decided to log onto my original loan application portal from XXXX year ago. It says my loan has been RESCINDED. ( I hadn't checked it because she had been telling me my loan status was " good '' ). When I confronted her on this, She told me that her mortgage company had changed to a different format, and she changed my application status over to the new system. This new system doesn't have log in ability to check status. More suspicions. 

I don't believe she ever handed my loan to underwriting. 

In XX/XX/XXXX, she advised that I needed to spend approximately {$11000.00} out of pocket for parcel mergers, again I've seen NOTHING in the way of price breakdowns or what is planned for the project as I STILL HAVE NEVER SEEN THE CONTRACT. Before that, for XXXX months, She was also insisting on doing the courthouse paperwork on the parcel merger HERSELF, to " make it easier to sell it, " in her own words, rather than allowing the contractor to do it. 
( When she found out that I had I had discovered the original loan application was rescinded ( 11 months later ), she changed her position and told me to do the parcel merger. She was, at that point, trying to get " rid '' of me ) Inclusion, I could see that my loan project was going nowhere, & she could not get me the loan she had proposed, I decided to tactfully and cordially excuse myself. TO continue with this situation as obviously a waste of my time, and I had already wasted XXXX  months. Continuing was pointless. 
I have a text message dialogue of her saying the contractor/home broker wanted 1 of my lots, & of contractor acknowledging there WAS a contract.

Company response to consumer: Closed with explanation