Consumer complaint received 2025-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Movement Mortgage LLC
State: VA

Complaint narrative:
On XXXX XX/XX/year>XXXX  I was a successful bitter on a hard property in XXXX Texas, XXXX XXXX XXXX. XXXX Brazoria tx. I contacted the Hud representative named XXXX XXXX Realtor.phone # XXXX. Property number Hud XXXX. Huds representative XXXX XXXX on XXXX XX/XX/year>XXXX  I spoke with her. The company that I went to XXXX XXXXXXXX XXXX stated they could not do the mortgage on the home because of the damage hood did on the property. they did not have any products for damaged home i told her I needed a mortgage to purchase a house and there was a lot of damage in the house. The flooring was all tore up. You could see it in the in the pictures and probably other damage still on the Internet on a XXXX or XXXX  .. she said OK I know the proper company that writes those kind of loans because you will need an XXXX construction loan she recommended XXXX XXXX an employee of movement Mortgage XXXX  phone number is XXXX. Her address is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX. She is a Mortgage loan officer with this company her email is XXXX 
Before XXXX would start the loan process, she told me that I would have to get policies paid up for a year on a home that I don't own a flood policy a hail policy of wind policy before they would even start the loan process. I did this with XXXX insurance. They baulked stating that its not proper that they issue insurance on Home that you dont own what they were willing to do is to accept my full payment for the Property for the the year insurance on the property and it will take affect on the date that I close on the house. For almost 90 days this individual XXXX made me jump thru hoops almost everyday. Wanting my complete financial history. About three weeks into the loan process she told me that I qualified for the loan now I have to get a contractor to do the repairs. I stated to both XXXX and XXXX that I wanted all products and contractors will come from XXXX XXXX. I'm XXXX mile from XXXX Tx. I called home depot and got two names for her. They did not fill out her contractor paper work. XXXX found a company in XXXX ill that was willing to do the repairs. Very strange that they do work in Texas. 
Now XXXX and XXXX picked this company after wastinymany weeks on the search for someone to do the work. 
Black mold was discovered in the home this took another two weeks to find a {$7000.00} cost to me to remove it. Now XXXX and XXXX has been working with Hud for years. I contacted Hud thru there XXXX office. Hud called me back about two weeks later. I was told that Hud had regulation on mold removal before a home can be sold. I'm sure XXXX and XXXX new this but wanted me to pay for it. XXXX texted me Good morning. The forms sent on yesterday can not be signed electronically. They require an ink/wet signature. Please sign them and send them to either me or XXXX along with a copy of XXXX 's driver license and social security card. Thanks. I received no documents to sign for my wife. My wife is not on the loan her name will appear on the deed only I told these people both XXXX and XXXX that this is a red line that I will not cross. They can have my wifes name, but they can not have none of my wifes financial information especially your signature. Why do they need this information? This something fishy here. I'm now paying {$25.00} a day penalty to Hud because these people are incompetent to do a construction loan. Hud makes the buyer pay the fee. Lots of things happened during this loan process its taken these people to long to process this loan I'm thinking there's aot of shady questionable things they have done and guess what? The last 6 weeks XXXX has said she was having closing. No closing in site.

Company response to consumer: Closed with explanation