Consumer complaint received 2025-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: BROKER SOLUTIONS, INC.
State: WA

Complaint narrative:
Hello, I am submitting this complaint regarding serious mortgage fraud and document forgery committed by Broker Solutions Inc. dba New American Funding, in connection with my FHA-insured mortgage. 

The loan closing took place on XX/XX/XXXX, with a first loan amount of {$480000.00} and a second loan of {$15000.00} for the down payment. 

The appraisal order dated XX/XX/XXXX ( Loan # XXXX, FHA Case # XXXX ) clearly identifies the property as a single-family residential home. 
The later Manufactured Home classification recorded in XXXX XXXX was falsified and unauthorized. 

After closing, the loan was transferred to XXXX XXXX but all original fraud, forgery, and document manipulation occurred under Broker Solutions Inc. dba New American Funding during the origination and closing process. 

Fraudulent Loan Transfer to XXXX XXXX XXXX XXXX XXXX Fraudulent Loan Transfer to XXXX XXXX XXXX XXXX XXXX : On the same day of closing ( XX/XX/XXXX ), Broker Solutions Inc. dba New American Funding executed a paper-only transfer of our FHA-insured loan to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX through a forged Allonge to Promissory Note. 
The document, signed by XXXX XXXX as Assistant Secretary, was neither notarized nor accompanied by any legitimate HUD assignment ID or authorization code.

The phrase Without Recourse on the document indicates that this was not a true sale or legal assignment of the loan, but rather a simulated transfer designed to conceal internal manipulation of loan and title records.

This transaction occurred before the official recording in the county ( XX/XX/XXXX ) proving that the transfer was premature and fraudulent, as the original property title had not yet been lawfully recorded. 
The coordination between XXXX and XXXX shows an organized effort to disguise post-closing forgery, including the falsified manufactured classification and the fraudulent use of a Power of Attorney that had already expired under the 120-day limit. 

On the same day of closing ( XX/XX/XXXX ), Broker Solutions Inc. dba New American Funding executed a paper-only transfer of our FHA-insured loan to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX through a forged Allonge to Promissory Note. 
The document, signed by XXXX XXXX as Assistant Secretary, was neither notarized nor accompanied by any legitimate HUD assignment ID or authorization code.

The phrase Without Recourse on the document indicates that this was not a true sale or legal assignment of the loan, but rather a simulated transfer designed to conceal internal manipulation of loan and title records.

This transaction occurred before the official recording in the county ( XX/XX/XXXX ) proving that the transfer was premature and fraudulent, as the original property title had not yet been lawfully recorded. 
The coordination between XXXX and XXXX shows an organized effort to disguise post-closing forgery, including the falsified manufactured classification and the fraudulent use of a Power of Attorney that had already expired under the 120-day limit. 

However, the lender and its affiliates manipulated and forged several documents that were recorded in the county on XX/XX/XXXX, including altered pages, forged notarizations, and a false classification of the property as a manufactured home. 

The lender misused a limited 120-day Power of Attorney to create and record a fraudulent Manufactured-Home Power of Attorney in the county on XX/XX/XXXX, and immediately after that, recorded multiple Deeds of Trust under that false authority effectively removing our ownership rights and control of the property. 
This was done without our knowledge or consent. The property is a permanently affixed single-family home on purchased land, not a manufactured or leased property, and is clearly recognized by FHA as a single-family home.

The Affidavit of Purchasers was also forged. The original 3-page affidavit signed on XX/XX/XXXX was later replaced with a 4-page version. The added page included a California notary seal where WA XXXX XXXX had been crossed out, while witness signature blocks remained blank. 
At closing, XXXX XXXX refused to give us copies of our signed documents, saying they would send everything to the closing department. We never received any copies, which allowed several days ( XXXX XXXX XXXX XXXX for them to alter or replace the documents before recording. 

The XXXX XXXX  also committed fraud by staging a false service of foreclosure notice. 
They claimed that service occurred on XX/XX/XXXX via certified mail and personal delivery, but I have photo and video proof showing that on XX/XX/XXXX, a man entered our driveway, taped three pre-prepared notices on our side laundry-room door ( not the main entrance ), took a quick photo, and left within one minute without knocking or speaking to anyone.

I discovered the notices two days later by reviewing our security footage.

Additionally, we received three foreclosure notices mailed from three different addresses one from XXXX, WA, another from California, and another from XXXX XXXX all with the same date. 

All of this shows an organized and coordinated fraud involving Broker Solutions Inc. XXXX XXXX, XXXX XXXX, XXXX XXXX, Loan Officer XXXX XXXX ( XXXX  # XXXX ), and real estate agent XXXX XXXX ( XXXX # XXXX ). 

After I filed a civil case in XXXX XXXX XXXX XXXX against these parties, my husband and I began receiving harassing No Caller ID phone calls, which appear to be attempts at intimidation. 

I request that CFPB and HUD OIG immediately investigate these acts of federal forgery, post-closing manipulation, and fraudulent foreclosure, void all falsified instruments, halt any pending sale or transfer, and protect me and my family while the investigation is ongoing.

Original Loan Information : The original FHA loan number under Broker Solutions Inc. dba New American Funding is XXXX ( FHA Case # XXXX ). 
This loan number was later changed by the XXXX XXXX XXXX after a questionable transfer, but all original documentation, fraud, and forgery occurred under XXXX during origination and closing. 


Attached evidence includes : Forged Manufactured-Home Power of Attorney Altered Affidavit of Purchasers. Cover sheet of the property purchase contract at XXXX XXXX, through which no copies of the signed documents or contracts were provided to us on the closing day, XX/XX/XXXX. 

( Additional exhibits and photos can be provided upon request )

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