Consumer complaint received 2016-10-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: RESIDENTIAL HOME FUNDING CORP.
State: NJ

Complaint narrative:
We worked with a gentleman name XXXX XXXX at RH Funding for a mortgage upon putting an offer in for a home, then we worked with the manager XXXX XXXX. From beginning to end, RH Funding took advantage of us ( we do not understand the entire home process as well as some, as XXXX is a second language ). XXXX told my us that we would n't be able to get a loan anywhere else and we were really lucky to have gotten approved for an FHA loan ( who we were also told by manage XXXX XXXX was the go to go for these types of loans ). We believed that this was our only option ; RH Funding played on my our naivety to the home buying process. 
RH Funding would lose [ IMPORTANT ] papers that we sent them, so they would have to call and we 'd have to resend them. This happened at least weekly, until XXXX was FIRED about 4 months into the process ( and even a few times after to " fix the mistakes that XXXX had created ''. We were also told that he had manipulated/screwed up several other mortgage deals ). We had to extend the closing FIVE times. They talked us into an FHA loan, then told us we could n't move in until repairs from the appraisers reports were fixed ( which we were told the appraisal fee would be {$450.00}, but then that changed to {$500.00} after the appraisal was done ). Because we refused to make repairs on a house that was n't legally ours, the only other option aside from starting the process over was moving to an FHA XXXX loan, WHICH IS A HIGHER INTEREST ( almost 1 whole percent ), and delays the process unnecessarily. Oh, and costs another {$150.00} to rewrite the appraisal to fit this type of loan. 

XXXX, as the manager, kept placing the blame on XXXX, who certainly does play a big role in all the aforementioned issues. But as the manager of that branch, XXXX must take the blame as well ; if he 'd been diligent and stayed on top of his employees work, we 'd never have had this issue. He gave XXXX and XXXX XXXX ( XXXX XXXX Agents ) attitude at every turn, although none of this was their fault ; our attorneys have also had nothing but issues with XXXX every time that they 've worked with him ( which has been several different contracts ). 

This entire process has left a sour taste in our mouth ; instead of exciting, it was stressful and almost not worth it. RH Funding took advantage of us, which poses a moral and ethical issue ; we 've spent countless hours and far more money than was necessary into the process already, and keep finding more and more issues. The contract on the home expires today, and the underwriters at RH Funding came back and said there was MORE that needed to be done ( about {$5000.00} added to the mortgage more ; all things from the inspection report that was done in XXXX that they have n't even looked at! ). I 'd hate to say everyone is incompetent, but you 're only as strong as your weakest player. We 've since had to cancel our offer on the home, and are left at square XXXX, with over {$2000.00} lost.

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