Consumer complaint received 2025-01-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Village Capital & Investment LLC
State: TX

Complaint narrative:
To WhomIt May Concern, The house at ( Village Capital XXXX ) XXXX XXXX XXXX, our dream home, started displaying cracks in the walls and ceiling throughout the house shortly after moving in, my wife and I started to uncover all previously hidden/repaired damages in the house making close inspections. We noticed a large overgrown area in the backyard that was found to be an irrigation leak. We had that repaired. After a week we had backed up toilets, we suspected that the pipes weren't connected to the city drain after sewage backup occurred. 
We contacted the seller, XXXX XXXX, he came in with a plumber to fix the plumbing issue but it wasn't fixed. There was found to be another leak in our daughter 's bathroom from a faulty cartridge. The plumber suggested we contact a foundation expert. Nothing of this was disclosed in the seller 's agreement, no known foundation or plumbing issues were brought to our attention. The VA and home inspector passed this house. Foundation experts conducted height measurements and found the rear of the house to be elevated by 6 inches and the front to be sunk by 6 inches with a foot of slope towards the front and suggested immediate water tests be done to ensure the damage was not caused by any leaking/broken pipes. A Foundation Support Specialist company was hired to conduct water pressure tests and found many leaks recommending not using the primary bathroom in fear of damage. 
The specialists could not believe this house passed inspection and advised me to contact insurance immediately. I contacted XXXX XXXX, my provider, and after a few weeks received a notification of a Full Denial and that they were canceling my policy because they said the problem was pre-existing. I contacted the Veteran Affairs Loan Guarantee Program and asked for insight into my problem, but they were still waiting for an answer. I filed XXXX complaints. I contacted Village Capital and let them know the situation and they tried to put the home under their insurance company but after hours on the phone they to said they wouldn't cover the property. I have contacted attorneys, but I do not have the funds to pursue any legal action I am an XXXX XXXX veteran who served in XXXX and I am XXXX XXXXXXXX XXXX XXXX XXXXXXXX I am on a fixed XXXX income and have no other source of funds to fix the home which is estimated to be over XXXX USD in foundation work, and XXXX USD in plumbing. And whatever costs it would take to repair the walls, drywall, ceilings, roof, and any other cosmetic issues that arise after foundation and plumbing work. I contacted the lender to see my options and they tried to have the insurance company they use put us on a forced insurance policy and they also gave us a denial after hearing what had happened. The VA home inspector has failed my family by negligence, The home inspector has failed us. The real estate agent failed us and did not uphold his fiduciary duties, and yet because I am 100 % service connected ; I do not qualify for any legal assistance, help or advice on how to handle these matters at hand. We must foreclose on a house they would not insure on a house we can not afford to repair because of deceptive business practices within the Texas real estate commission and the VA inspection that would I hope to believe would have looked at two major things : foundation and plumbing.

Company response to consumer: Closed with explanation