Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: NVR INC.
State: FL

Complaint narrative:
Original Closing Date was executed on XX/XX/year> To Whom It May Concern, I am writing to formally dispute the terms and handling of my mortgage loan with NVR Mortgage Finance , Inc., and to demand corrective action. I retained private legal counsel at a cost of {$2000.00} to review my closing documents and advise me regarding the charges and representations made during the loan origination process. Due to the significant financial strain already imposed, I can not continue to incur additional legal expenses to remedy issues that were not caused by my actions. During the origination of this loan, the assigned loan originator officerwho is no longer employed by NVRexplicitly represented that my final monthly mortgage payment would be {$2100.00}. I clearly communicated that I could not and would not agree to any payment exceeding {$2200.00} per month. In reliance on these representations, I paid in excess of {$14000.00} in discount points specifically to secure a reduced and affordable monthly payment within that range. The material discrepancy between the promised payment and the current payment of {$2500.00} constitutes a significant and detrimental deviation from the agreed-upon terms. I am continuing to make payments under protest to avoid default ; however, such payments do not constitute acceptance, ratification, or waiver of my rights. This matter raises serious concerns under, including but not limited to : The Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 et seq. ), which requires clear and accurate disclosure of loan terms and costs ; The Real Estate Settlement Procedures Act ( RESPA ) ( 12 U.S.C. 2601 et seq. ), including potential violations related to the accuracy and transparency of settlement disclosures ; Potential violations of unfair, deceptive, or abusive acts or practices ( UDAAP ) standards enforced by the Consumer Financial Protection Bureau ( CFPB ). If the terms of the loan were misrepresented, inaccurately disclosed, or improperly documented, this may constitute a material violation of federal law. Additionally, any attempt to compel execution of new or revised closing documents under these circumstances is inappropriate and will not be entertained. Let me be unequivocally clear : I will not sign any new or amended closing documents. Any inability by NVR to sell, transfer, or service this loan due to its own errors, omissions, or misrepresentations is not my responsibility. I expect NVR to correct this matter by honoring the original represented terms, including the agreed-upon monthly payment structure. If this matter is not promptly and satisfactorily resolved, I am prepared to pursue all available remedies, including but not limited to escalation through the Consumer Financial Protection Bureau, state regulatory authorities, and any other appropriate legal or administrative channels. Based on the responses received from XXXX XXXX XXXX, Vice President of NVR Mortgage Finance , Inc., it appears I may be subjected to continued legal pressure and further financial strain stemming from matters that were not caused by any action or negligence on my part. This letter serves as a formal notice of dispute. I request a written response within 15 business days outlining the specific steps NVR will take to resolve this issue. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation