Consumer complaint received 2021-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Panorama Mortgage Group, LLC
State: OK

Complaint narrative:
I have been working with XXXX XXXX. He has made numerous excuses why he has taken so long to complete my application. I submitted all paperwork to him by XX/XX/XXXX @ XXXX. XXXX States that the application was just completed on XX/XX/XXXX. My realtor tried repeatedly to contact XXXX. XXXX failed to call after I first gave him XXXX XXXX, my realtor, information. I am upset because he didn't provide XXXX, with a approval letter yesterday, or today. Thus I missed out on the property that now has an approved offer. I call XXXX today and asked him what is the problem. He then went on to tell me that the property would not fit me and other reasons. I told him it was not for him to make that assumption. 

XXXX XXXX Loan Officer # XXXX XXXX XXXX Alterra Home Loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX # XXXX XXXX XXXX, said that I threaten him. I sure did. I told him I am going to file complaints with ever government agency that govern his organization. He is doing something criminal. Here is the text he sent this afternoon, saying I threaten him and he is not going forward with my loan. 

XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX Good afternoon XXXX. 
This message is to let you know that I will no longer be assisting you with regards to your home financing in XXXX XXXX due to threats received from you over a telephone conversation and text dated XX/XX/XXXX @ around XXXX PST. 
If you have any questions please contact me via email or text at the contact information listed below. 
Best regards, XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX  I send a copy of preapproval letter to you realtor when you find a property. But regardless I will finalize the number and let you know your max amount. 



Me XX/XX/XXXX XXXX XXXX Ok, your company doesn't send some type of doc to the realtor so he can have something XXXX - XXXX XX/XX/XXXX XXXX XXXX Customarily, he will request for the letter when he is ready to submit the offer. This way I can verify the property tax, insurance, hoa-if applicable, etc ... 
Me XX/XX/XXXX XXXX XXXX XXXX what is up. XXXX didn't get the info now the property has an accepted offer. This ain't cool XXXX - XXXX XX/XX/XXXX XXXX XXXX  I never got his email. Spoke with him on the phone few minutes ago. 
Me XX/XX/XXXX XXXX XXXX  Let me be clear i told HUD that i think some type of scam is going on with these companies on the HUD site. I think they setting up investors with the loans that all three companies should be removed. It would be a shame to find out you or your company connected to the people now with the approved offer. If it is that is fraud at the criminal level Me XX/XX/XXXX XXXX XXXX  Forget it don't call my daughter, i done. 
Blessing on your day XXXX Here is the email the realtor sent From : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Date : Wednesday, XX/XX/XXXX at XXXX XXXX  To : " XXXX, XXXX '' XXXX Subject XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Hi XXXX , I was on the phone with XXXX and her daughter XXXX. They are thinking they would like to write an offer on the above proeprty Click the following link to view the report : View All Listings XXXX XXXX XXXX XXXX XXXX Nevada Properties XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Cell : XXXX Office : XXXX Fax : XXXX E-mail : XXXX XXXX XXXX License # XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation