Consumer complaint received 2026-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
I am filing a complaint regarding the handling of my FHA streamline refinance involving a required HUD partial claim subordination through AmeriHome Mortgage. I began this refinance process in XX/XX/XXXX after previously being told in XX/XX/XXXX that I could not proceed until XXXX. When I followed up in XXXX, I was told that prior guidance was incorrect. This initial misinformation delayed my ability to begin the refinance process. Shortly after, my loan was conditionally approved ; however, an issue arose regarding a {$500.00} discrepancy between the HUD payoff amount and the amount reflected by AmeriHome/title. I provided documentation directly from HUD confirming the correct payoff amount, yet I received conflicting and unclear responses between departments. AmeriHomes refinance team indicated a discrepancy, while customer service later stated they did not see any issue at all. This lack of internal consistency caused additional delay. Following that, the refinance became dependent on a HUD subordination request. This process has now been submitted multiple times and has experienced repeated failures : - The first quest was denied due to an address issue. My address was listed wrong by the title company. - The second submission was denied due to a missing cover letter and XXXX label. - Despite this known issue, there has been no clear confirmation that the problem was fully corrected prior to resubmission. - The submission method has been inconsistent ( switching between email and XXXX ), creating further concern about whether documents are being properly handled. - Each resubmission results in a new 36 week timeline, effectively restarting the process without resolution. I have made multiple attempts to escalate this issue, including contacting a supervisor. However, I have not received clear answers, resolution, or confirmation that a complete and accurate package has been successfully submitted and received by HUD. As of now, this process has extended from an expected XX/XX/XXXX closing into XX/XX/XXXX with no resolution. This delay has caused financial impact. I have remained at a significantly higher interest rate ( approximately 8.25 % ) while awaiting this refinance, and I have missed the opportunity to secure a lower rate due to these ongoing delays. I have continued making full mortgage payments during this time, which has resulted in additional financial burden. Additionally, delays have impacted my financial planning, including expected escrow-related funds. At this point, I am concerned that my loan is not being properly managed and that repeated submission errors and inconsistent handling are preventing resolution. I am requesting the following : 1. Immediate escalation and review of my file by a higher-level team 2. Confirmation that a complete and accurate subordination package has been properly submitted to HUD 3. Verification of receipt by HUD 4. Clear and consistent communication regarding status and next steps 5. Accountability for repeated submission failures and delays I am seeking resolution of this refinance without further unnecessary delay.

Company response to consumer: Closed with monetary relief