Consumer complaint received 2026-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: C2 Financial Corporation
State: CO

Complaint narrative:
Loan Availability Issues : - We believe XXXX intentionally misled us by claiming to have sent the Closing Disclosure ( CD ), but we did not receive it. This informed our decision to move ahead with our purchase past our loan availability deadline. He has not responded to requests for documentation of where it was sent and what time. We believe it was never sent and he purposefully misled us. - XXXX failed to provide the CD 3 days before our intended closing date. - After reporting that we did not receive the XXXX, he told us he would send it again on Monday, XXXX days before closing, but did not send it. XXXX XXXX XXXX, processor for XXXX, told us she discovered that our HOAs warrantability had expired on Friday, XX/XX/XXXX and understood that meant our loan was not yet available. She did not convey this information to us to avoid ruining our weekend, leading us to miss our loan availability deadline. We have this recorded confirmation on when they received it and the reason they didn't disclose. Recordings of these conversations can be provided, but the platform does not allow us to submit them directly with this complaint. - When asked why warrantability was not reviewed earlier in the process, XXXX and his companys XXXX stated that our agent had told him it was warrantable. Our agent maintains that she never told XXXX that the XXXX XXXX XXXX. - Additional documentation was requested on Friday, XX/XX/XXXX by the lender. We were not informed that there were any outstanding issues with our file. These events happened with full knowledge that our availability deadline was on Friday, XX/XX/XXXX. They had the contract on the house with dates and deadlines, had assured us repeatedly that they could meet all deadlines, and spoke with our agent earlier in the week confirming that they could make the loan availability deadline. Their actions led us to believe that the loan was available, so we took no action to extend the loan availability deadline, which has jeopardized our earnest money. Ethical Concerns - After missing our loan availability deadline, XXXX made no attempts to help get the loan secured. XXXX repeatedly ignored calls and referred us to his processor. - When we did reach XXXX, he told us he was driving in the mountains and would call us later that day. He never returned our call. - When we did not receive responses from XXXX or his processor, we called the lender, XXXXXXXX XXXX XXXXXXXX, directly for information on the status of our loan. He sent us an email that is unprofessional at best, aggressive verging on threatening at the worst. Quote : Again stop calling XXXX XXXX XXXX or they will withdraw the loan. I already told you that once. - We were told repeatedly that we had to sign documents that were not accurate or we would not get the loan. This includes an inaccurate loan fact sheet that had an interest rate and rate buy-down that we did not agree to and a tax document declaring that we are married. - When on the phone with the processor trying to get the documents about the XXXX, she told our agent : Do you have a lender that will do this condo project, let me know. Make a loan application with them. I'll transfer the appraisal, I'll transfer all the HOA documentation over, I'll give you all the documentation I have on these borrowers. Our loan XXXX did not act in good faith to get us this loan. Recordings of these conversations can be provided, but the platform does not allow us to submit them directly with this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation