Consumer complaint received 2025-04-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Nations Mortgage LLC
State: OR

Complaint narrative:
Nations Mortgage asked me to break policies, sign false documents and even forged my signature on docusign documents with out my knowledge for me ( updated loan estimate ) to get their refinance loan. I have a poor credit situation already and by trying to apply for a refi it has essentially put me into a spot where no I have no choice but to file for bankruptcy. I made future agreements in order to meet the demands of the loan company only to turned down due a document that can not be legally produced without forgery and I communicated as such to them on multiple occasions. Yet they still persisted and my loan was not even allowed to enter underwriting after XXXX weeks of games and then the final disqualification came when I had to ask my credit agency to produce a document containing the full account numbers because the legal documents and policies only permitted a document that showed the last XXXX of the accounts which as I found out would have been more than acceptable to any other mortgage company but Nations Mortgage intentionally requested a document that can not be legally produced and used it to justify denial of my loan when I already over extended myself by XXXX. They were dishonest on the original loan estimate despite my repeated protests of that document being inaccurate and requesting that it be updated before being sent to the lender. So now due to their inability to abide by laws and respect the wishes of their client I am forced to file bankruptcy in order to keep my house. A miniscule and unrequired clerical situation was used to deny my loan which which was submitted under false terms anyways. They took full advantage of my dire financial situation and put me further in debt to the point where I can no longer dig myself out. 

I am attaching screen shots, loan documents and transcripts in order to prove not only were they producing false documents but they are using shady business practices to deceive all parties involved. Many of the docusign documents were fabricated stories meant to deceive everyone including the lender. Which I openly protested to signing but was told by XXXX XXXX XXXX, XXXX and XXXX XXXX it was fine to sign when they were not true statements under their guidance of thats just the way we do things to get them pushed through to get it pushed through to underwritingonce we get there then we are in the clear They asked me to certify false documents and I did so willingly because I thought I could finally get my head above water by choosing nations mortgage. I will be more than happy to give the actual explanations for the forged and fabricated documents included in order to prevent another XXXX veteran or any cash strapped homeowner from being manipulated into bankruptcy through deception and false pretenses. The highlighted copy was just the beginning of the discrepancies that I asked to be changed to which nations mortgage refused to do until it got through underwriting. I am in such a bad financial situation now that I can not hire a lawyer to pursue any legal avenue as recoursea fact that nations mortgage already knew. Interest rates have dropped significantly today on XX/XX/XXXX and this would directly affect the amount of profits that my lender and Nations mortgage would make off of our deal that is very interesting.

Company response to consumer: Closed with explanation