Consumer complaint received 2025-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CrossCountry Mortgage LLC
State: IA

Complaint narrative:
this will include that on XX/XX/XXXX | entered into a contract with Cross country Mortgage XXXX XXXX XXXX XXXX, OH XXXX Agent : XXXX XXXX XXXX XXXX : XXXX la License : XXXX Contact MLs id : XXXX Contact XXXX  id : XXXX XXXX XXXX prepaid by the mortgage company was 1 year of homeowners insurance pre mos. ) to XXXX XXXX XXXX XXXX XXXX XXXX 
Loan amount : XXXX $ interest XXXX % Monthly interest and principle : XXXX $ Mortgage insurance XXXX $ estimated Escrow : XXXX $ Total Monthly payment : XXXX There were XXXX liens aginst the house one was to XXXX XXXX brother-in-law XXXX XXXX XXXX XXXX the XXXX XXXX XXXX XXXX Ninth Judicial circuit, XXXX XXXX, Illinois Judgement Hereby XXXX XXXX favor XXXX the plaintiff, XXXX XXXX, for the total XXXX XXXX XXXX plus cost of suit in the amount of XXXX $ This is the final judgment with no interest to be collected thereafter. The second XXXX XXXX the house was to XXXX XXXX for the amount of XXXX $ Prepared by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX This totals XXXX $ on the Loan disbursement Instructions it states under payoffs and payments a payment to XXXX XXXX XXXX XXXX collections/judgment payoff that a total of XXXX was paid to this attorneys office. 
the sum of these 2 payoffs and what was actually due snows a major discrepancy. this also shows the sum of XXXX being paid to a collection agency. it does not show to whom the actual money was allocated to and why there is a XXXX $ difference either, XXXX closings XXXX XXXX XXXX XXXX XXXX XXXX, la XXXX XXXX sent a letter to XXXX XXXX dated XX/XX/XXXX stating that XXXX mistakenly did not list this mortgage payoff as a debit to your proceeds on the settlement statement at so mist tis mortgage payon as a debit to your proceeds on the settlement statement at closing, not in the closing disclosure either because of this error on their behalf which is not an actually an error but a mismanagement of the funds allocated to the wrong collection/ lawyers. because of this error, the mortgage debt and mortgage XXXX are still outstANDING and they need to remove this mortgage lien against XXXX XXXX property. This letter also states that now XXXX XXXX is responsible for clearing up the XXXX $ XXXX XXXX house to his ex-wife. but it has already been paid. The company clearly misallocated the funds, making this their responsisbility, not XXXX XXXX. 
Also a complaint I will be making to HUD is FHA lender to origination/mortgage engaging in fraudulent practices. The Appraiser failed to adhere to Appraisal Standards by stating that our home was AS-IS meaning no repairs needed and therefore FHA would back the refi loan on a home that XXXX XXXX owned outright with no mortgage currently. the XXXX also failed to Excercise diligience demonstrating negligence. She has been disciplined for this before, Because of her negligence, shortly after the loan was approved and funds allocated into XXXX XXXX Bank account, the FHA required homeowners insurance company Universal property and casualty insurance company dropped coverage upon further review of the appraisers photos noting that the roof was a liability and that in order to continue coverage we would have to fix the roof. The appraiser also did not at all meet the guidelines on the HuD website because of the cracked foundation, lead paint and leaking windows which has caused mold to form in the interior of the structures, and the warping and uninsurable roof situation. in this case the Underwriters should have taken notice and therefore we would have never been approved for a loan on this house. due to their fraudulent and misleading practices they approved a loan that now we can not obtain required insurance for and misallocated monies that were to be paid off to 2 people involved and insisting that now XXXX XXXX be held responsible for XXXX $ due to his wife which has already been paid through the loan. this is seriously gross negligence on their part. the lender should be the primary bearer of responsibility as well as the appraiser for giving false and inaccurate home appraisal as well as the underwriter for pushing this so insurance for and misallocated monies that were to be paid off to 2 people involved and insisting that now XXXX XXXX be held resoponsible for XXXX $ due to his wife whichhas aready been paid through the loan. this is seriously gross negligence on their part. the lender should be the primary bearer of responsibilty as well as the appraiser for iving false and inaccurate home appraisal as well as the underwriter for pushing this loan through that would have not otherwise been available to us due to the conditions of the home. the closing company should be held liable for the misallocation of funds that were to be distributed to XXXX. XXXX and XXXX XXXX XXXX accordingly as those funds were aready accessable through this loan and should definalty not be the responsibility of XXXX XXXX ' have original court ordered and documentation of being dropped by the homeowners insurance company. i also received help from the lowa XXXX XXXX in making past due payments, Included in this payment are 6 Homeowners insurance payments and we don't even have home insurance that is required by the FHA.

Company response to consumer: Closed with explanation