Consumer complaint received 2022-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: GATEWAY FIRST BANK
State: OH

Complaint narrative:
I just purchased my very first home in XXXX, OH. I had a very rough experience with my mortgage company and real estate agent. The sellers were not honest on their Ohio disclosures form, which I do have proof of with the seller opening up a little more about the defects in the home after closing as well as old receipts I had found in the home after I moved in. I had attempted to seek legal advice from 2 attorneys that have stated they simply just don't know how to handle this because they can't make sense of the numbers on my closing disclosure form paperwork and they simply don't know the " in 's and out 's '' of XXXX regulations therefore, it was suggested I reach out directly to XXXX. 
The home I purchased has severe deficits including, XXXX needing completely replaced including duct work HVAC is inoperable, pluming needs completely repaired as well as lines needing to be redirected into the septic tank the plumbing is also not up to code my well pump and entire well itself is bad so I dont know if the water Im showering in is harmful or if the filter I use for my drinking water is sufficient enough to make the water coming into my home safe to drink, foundational issues ( it rains in my basement when it rains outside ), mold in my basement/crawl space and drywall that needed to be taken out as well as carpet I have taken out, and mold in appliances the sellers had left behind, the washer and dryer and second bathroom tub had been installed by the sellers boyfriend, therefore were not installed correctly causing my floor to be unstable in the second bathroom and the washer and shower drain are both draining into my side yard and not my septic tank. 
My septic system had to be completely replaced. Which was not completed until 2 months after I closed on the home. Luckily, I had asked the seller for the last pump receipt for the tank and based off what I saw I asked her for an inspection to be completed. The inspection had to be completed by the county due to the system being SO damaged. The county had noted the 2 drains leading into my side yard ( shower and tub ). The seller 's listing agent had received a report notating all deficits that had been found within the system as well as the county demanding the whole entire system be replaced. I was not given this report due to " the seller owning the information '' therefore my team and I were all unaware of the 2 wastewater drains needing to be redirected into the tank. We received a quote for the new system, the seller and I had made a deal on how it was going to be paid for, but unfortunately the drains were not added into the quote because the seller as well as the listing agent had failed to disclose the full report issues, nobody knew about the issue. 
An appraisal had been done on the house that was inaccurately reflecting the conditions of the home as well as the systems in the home. I brought this up to my mortgage company and they ignored me and my concerns and told me nobody is scamming you out of money I had never even brought anything up as a scam. I was simply trying to make sense of numbers on my documents. The sellers brought it to my attention they were unaware that I was a XXXX  loan because had they have known that they never would've sold the house to me because it " took money out of their pockets '' My appraisal was conventional based. The mortgage company had stated that the reason my loan took so long to be approved was because they needed to make numbers look a certain way to get my loan guaranteed approved by XXXX. I looked at the limitations for income in my area of XXXX and I am considered a low-income household. But, from what I'm seeing, from them they made it seem like I was a " moderate '' income household. 
To wrap up my extremely long message I am now drowning in mortgage debt and repairs just to make the house safe and livable, I don't believe this house during inspection/ appraisal time followed XXXX  regulations. I believe my appraisal was fraudulent to benefit the mortgage company, which come to find out XXXX mortgage had lost their license back in XXXX due to fraudulent loans and just reopened in 2019. My loan documents and contract do not match. I just really need some help with which direction to go. I want someone who works USDA to even possibly pull my file from them to overlook everything because I'm not sure if it was presented to USDA correctly. 
My mortgage company is XXXX mortgage.

Company response to consumer: Closed with explanation