Consumer complaint received 2025-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Fairway Independent Mortgage Corporation
State: TX

Complaint narrative:
I am filing this follow-up complaint against Fairway Independent Mortgage Corporation to emphasize the severity of their violations as an XXXX XXXX  XXXX XXXX  misconduct involves falsifying legal documents and failing to fulfill their obligations under XXXX  guidelines. 

Falsification of XXXX XXXX XXXX XXXX XXXX XXXX required for my XXXX  loan was not signed at the time of closing on XX/XX/year>, as falsely indicated in their records. It was actually signed on XX/XX/year>, after closing. 
XXXX deliberately altered the signing date to comply with XXXX  requirements retroactively. This is illegal, unethical, and constitutes forgery of legal documents. 
I have attached supporting evidence, including text messages and emails from the day of closing, proving that the XXXX XXXX was not signed on XX/XX/year>. 
XXXX  Responsibility as an XXXX  XXXX : XXXX, as an XXXX XXXX is responsible for ensuring compliance with XXXX  guidelines XXXX This includes : Proper Execution of Legal Documents : Ensuring all required documents are signed and dated at closing, without alterations or falsification. 
Compliance with XXXX XXXX XXXX : As an XXXX XXXX XXXX is required to ensure the property meets XXXX minimum property standards before approving and funding the loan. This includes verifying that agreed-upon repairs or conditions are met prior to closing. 
XXXX  failure to fulfill these responsibilities directly violates XXXX  regulations and compromises consumer protections. 
Misrepresentation in XXXX XXXX : In their response, XXXX falsely claimed they are " not part of the sales contract '' and attempted to deflect responsibility for ensuring XXXX  compliance. However, as the lender, they are obligated to confirm that all XXXX  requirements are satisfied, including the condition of the property and the proper execution of closing documents. 
Their denial of responsibility and fabricated documentation highlight their corruption and unwillingness to comply with federal regulations. 
Request for Accountability : I urge the CFPB not to close my case simply because XXXX has responded. Their response only further proves their corruption and refusal to take accountability for their violations. 
Falsifying legal documents is a serious violation of federal law, and XXXX  failure to comply with XXXX  regulations regarding the condition of the property demonstrates their lack of integrity. 
If Fairway Independent Mortgage Corporation does not want to accept the responsibilities that come with being an XXXX lender, then their license to work with XXXX  and XXXX  loans XXXX be revoked. Lenders unwilling to uphold federal guidelines have no place in XXXX  network. 
Attached Evidence : Text messages and emails from the day of closing proving the XXXX XXXX  was not signed on XX/XX/year>. 
The altered XXXX XXXX  showing the fabricated signing date. 
XXXX  response denying responsibility and failing to address their violations. 
This complaint highlights a pattern of misconduct and legal violations by Fairway Independent Mortgage Corporation. As an XXXXXXXX XXXX, their actions undermine the integrity of the XXXX  loan process and compromise consumer protections. I trust the CFPB will act decisively to address this critical issue and ensure XXXX  is held accountable, including revocation of their XXXX  approval if necessary. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation