Consumer complaint received 2025-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Acrisure Mortgage Partners, LLC
State: FL

Complaint narrative:
Formal Complaint Regarding Mortgage Loan Eligibility, Deposit Withholding, and Financial Loss Dear Consumer Financial Protection Bureau, I am filing this complaint regarding my mortgage loan process with [ XXXX XXXX  ]. I believe I was misled, trapped in an unfair contract, and placed at financial risk through no fault of my own. This case began in XXXX and remains unresolved, with the lender still holding my deposit for more than 4 years. 

Background : I have been employed as a software engineer since XX/XX/XXXX under an Employment Authorization Document ( EAD ). My most recent XXXX expired on XX/XX/XXXX. I had been applied renewal of my EAD before it's expiring but due to covid19, XXXX  could not be able to send my renewed EAD on time, S i was officially in automatic extention period of 6 months and my employer was able to keep continue in payroll and I disclosed this fact and explained my employment timeline to both the lender and builder before signing. Despite this fact, I was approved for loan eligibility and signed the binder on XX/XX/XXXX, relying on the lenders approval in good faith. 

Issues : 1. Loan Approval Despite EAD Expiry My expired EAD was known when I was approved. If this disqualified me, I should never have been approved or allowed to sign.

2. 40-Day Loan Closing Requirement Not Disclosed I was never informed of a 40-day giving up or loan closing condition. they only told me that it was in binder and you should read before sign. and that was the only point builder excuse and they decided to burn my down peymant when loan declined. but This was impossible to meet since the home was still under construction and had been planned to complete in XX/XX/XXXX and also delayed to XX/XX/XXXX. 

3. Final Denial Citing Citizenship/Income I later, on XX/XX/XXXX, received an email from the loan officer stating : " At this time due to your citizenship status we are unable to proceed with this loan. Replacing you with a new borrower is not an option as you are not able to be on the loan with or without income. Citizenship status and unverifiable income are 2 obstacles we just cant overcome. I would have discussion with XXXX as far as cancelling the contract due to lack of final loan approval. 

This email shows the lender knowingly approved me despite these factors, then reversed position. after that builder sent a final denial and burning/keep holding my deposit letter. even though i tried to explain situation and request my down paymen as refund back to me, it has been years that Builder [ XXXX ] or Lender [ XXXX XXXX ] holding my downpayment deposit and refused to refund my down payment that amount was {$13000.00} at that moment. 

Conclusion : I acted in good faith, disclosed my status, and followed all instructions. The lenders conduct approving me, failing to disclose key conditions, and later citing citizenship status as a reason for denial has caused long-term financial harm. and I believe that citizenship status can not be denial reason under the law that Equal Credit Opportunity Act ( ECOA ) / Regulation B - The ECOA ( 15 U.S.C. 1691 et seq. ) prohibits creditors from discriminating with respect to any aspect of a credit transaction on bases including national origin.

I respectfully request the Consumer Bureaus assistance to resolve this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation