Consumer complaint received 2025-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NC

Complaint narrative:
We purchased the home at the above address on XX/XX/XXXX. The property was purchased by an investor ( XXXX XXXX XXXX XXXX XXXX ) who flipped the home. XXXX XXXX realtor ( XXXX XXXX ) and himself represented XXXX XXXX to us and our realtor ( XXXX XXXX XXXX ) as being a general contractor which we verified through Field Inspector XXXX XXXX from the XXXX XXXX Licensing Board For General Contractors as not being a licensed general contractor. The home was completely gutted and renovated and included new electrical, plumbing and hvac systems, the septic tank was replaced, a new roof, a new concrete driveway and a new deck were completed as well. There were also alterations and additions made to the home including adding a bedroom, a bathroom and adding square footage to the home. There was a signed agreement ( due diligence repair request ) between us and the seller ( XXXX XXXX ) that all of the items we had agreed upon, would be fixed by XXXX XXXX. After finally getting ahold of XXXX XXXX on the phone, he sent several people to fix these items but never completed the work himself and instead sent his project manager XXXX which failed to complete 2 roof repairs and XXXX told my wife that these XXXX repairs on the due diligence repair request would not be fixed. I got ahold of XXXX XXXX again and he said that as far as he was concerned he had completed all of the repairs on the due diligence repair request form and the remaining items would have to be fixed by us which he said wouldnt take much money to fix. We had 2 roofing contractors come and give us a quote for these repairs and other items of concern we noticed. Both roofing contractors noticed that there was not an adequate amount of ventilation in the attic and also noticed that there was an area of our roof that had a low pitch and therefore needed the roofing system installed in a certain manner and they explained that they were baffled on how these items could have passed inspection. This prompted me to go into the XXXX XXXX permitting and building office and obtain copies of all the permits that were obtained for our home. They couldnt find any recent permits from XXXX until the present but were unsure if this was due to all of their systems still recovering from a recent XXXX  intrusion. I then emailed all the contacts that appeared on the cities permitting web page in which I received a response from Chief Building Official XXXX XXXX in which he verified that no permits were obtained from XXXX until the present which meant that all of the work on this home was completed without proper permits by XXXX XXXX and there is no certificate of occupancy that has been issued. We also contacted the health department which verified that the septic tank replacement was permitted, unfortunately it was permitted for a 3 bedroom home and not a 4 bedroom home and therefore we are awaiting scheduling of a soil test to verify if the soil can support the addition of a 4th bedroom and/or if the septic system meets requirements or if additions/alterations would need to be made. We are concerned that without these proper inspections and permits our home hasnt been verified as safe to occupy and meets local/state building codes. This is a huge problem and has become a very stressful situation for us and has taken a toll on our mental health, as at this point we dont know if its safe to live in our home, or if we can even stay here, specially with us having XXXX young children. None of this was disclosed during the purchase of the home by XXXX XXXX or his agent ( XXXX XXXX ) and this wasnt verified by our realtor ( XXXX XXXX XXXX ). I contacted the XXXX XXXX XXXXXXXX XXXX XXXX and spoke with XXXX at their litigation department who advised me to contact an attorney to sue the seller and potentially both realtors, as well as file a complaint against XXXX XXXX agent ( XXXX XXXX ) and our agent ( XXXX XXXX XXXXXXXX ), which I have done due to them failing to disclose and verify this information and failing to do their fiduciary duty. Weve had hvac, electrical, and plumbing companies inspect these systems and all have found several issues with things not being up to building code and several safety hazards one which prompted the hvac contractor to come and disconnect the emergency heat to our air handler and the wire ran to/from it was not big enough to handle the amperage, therefore creating the potential for our home to start a fire due to this.

Company response to consumer: Closed with explanation