Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Xpert Home Lending Inc.
State: TN

Complaint narrative:
On XX/XX/year>, I closed on my new home. The realtor or Lender did not show up to closing ; it was just the title attorney and I. I am XXXX % percent XXXX Veteran with XXXX and XXXX and I did not ask questions at the time due to my XXXX of being in the room with only XXXX other person ; a XXXX. 

I did notice that the loan amounts were different than we previously discussed and I could not determine how the debits and credits all worked out as they did not match up to a previous estimated settlement charges that was sent to me by the lender, Xpert Home Lending Inc . 

After closing, I called XXXX XXXX XXXX to ask if he would go over the loan terms and then I asked him why he did not send a Final Settlement ( XXXX ) XXXX  days before closing. He said he would look into it and call me back. 

He did NOT call me back but then I received an email with the Final Settlement that I should had received prior to closing. I sent him a text an email that it was a serious violation to do that. I called the broker and told her the same and she said she would call me back and she never did. My realtor that I paid XXXX percent agency fee has not called me to go over anything since a week and a half before closing. To date, no oral communication or response to my confusion and questions. 

I also sent an email to Lender, Title Company, Broker, and Realtor. Not XXXX person will answer questions or call me to communicate ; not even my realtor. They said because I threatened to sue but that is because no one will answer my questions as I am confused ; which caused my XXXX to hit a high where I was crying and sick. 

Realtor - XXXX XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Lender - XXXX XXXX - XXXX I bought house for {$500000.00}. I put down {$1500.00} in Earnest money. I paid XXXX % in Agency fees that amounted to {$5000.00} and closing costs of {$4500.00} for a total amount I brought to closing in a cashier 's check of {$9600.00}. The seller paid {$8000.00} of my closing costs. 

I think it is suspect that no one wants to go over the debits and the final loan amount so that I can fully understand. 

The realtor, title company, broker, and lender should be working in my best interest but instead, they all communicate amongst each other and refuse to explain anything to me. It makes me believe they fudged numbers. 

I also sent an email to the Lender, Broker, Title, and realtor and requested an immediate review of my file to include all charges and final total amount but no one has responded ; which is suspect. 

I also requested mediation and no one responded. 

I have closed on many homes, and this has been the worst experience I ever had experienced and a first for me. 

I have all my texts and email correspondence to back up the stress and abuse they all put me through. The realtor made an error on my Purchase agreement of my home and kept arguing with me that I was not understanding it correctly. When she finally realized I was right and she misread her own Purchase Agreement XXXX weeks later and giving me extreme stress, her and the lender tried to get me to pay for her mistake but I held her to what she argued with me about and did not agree to pay an additional percentage of realtor fees.

Company response to consumer: Closed with explanation