PrimeLending, A PlainsCapital Company Mortgage Complaint

PrimeLending, A PlainsCapital Company Mortgage department,

FHA mortgage Credit decision / Underwriting Texas

I APPLIED FOR A MORTGAGE LOAN IN - WITH PRIME LENDING AND RECEIVED MY PRE-APPOVAL LETTER FOR $250.00, -. I FOUND A PROPERTY AND I OPENED ESCROW ON - -, 2015. I FURNISHED MY LOAN OFFICER WITH ALL PERTINENT DOCS NEEDED TO CLOSE ESCROW. HE DECIDED HE WOULD USE MY JOB AND - MONEY TO QUALIFY WITH ME FOR THE HOUSE. I TOLD HIM THAT I HAVE A SECOND JOB, -, THAT WOULD BE MORE MONEY AND CONSIDERED CONSISTENT RATHER THAN MY -. HE REPLIED BY SAYING THAT THE - BECAUSE IT WOULD HOLD MORE WEIGHT THAN MY - JOB. I SAID OKAY BUT DID NOT AGREE WITH THAT DECISION. ESCROW 'S CLOSING DATE WAS TO BE SET FOR - -, 2015. ON FRIDAY, - -, 2015, A - PRIOR TO CLOSING, HE TOLD MY REAL ESTATE AGENT AND ME THAT EVERYTHING WAS GREAT AND THAT UNDERWRITING SAID EVERYTHING LOOKS GREAT AND WE WILL CLOSE ESCROW ON - -, 2015. ON MONDAY, - -, 2015 HE EMAILED MY AGENT AND I STATING THAT IF I DID NOT GIVE MORE INFO ON MY - TO SHOW CONSISTENCY THAT THE DEAL WOULD BE OFF. HE KNEW THAT I GAVE HIM ALL OF


WAS SHOCKED TO HEAR THIS. I CALLED HIM AND ASK WHAT IS HAPPENING THIS IS NEW AND HE HAD ALL THE STATEMENTS IN HIS POSSESSION. HE SAID UNDERWRITING SAID THAT. I TOLD HIM THAT IS THE REASON WHY I SUGGESTED USING MY - JOB OR MY - JOB. I E-PLAINED THAT IF MY E-HUSBAND DID NOT WORK ; I RECEIVE NO MONEY. HE HAS N'T BEEN CONSISTENT. I ASKED HIM TO PLEASE USE MY - JOB. HE SAID OKAY. HE CALLED ME THE NE-T DAY SAYING THAT THEY REWORKED IT SO THE LOAN CAN NOW BE APPROVED. THAT WEDNESDAY, - -, 2015, HE TOLD MY AGENT THAT THE LOAN WAS DENIED. HE DID NOT INFORM ME. I HEARD IT FROM MY AGENT. HE FORWARDED MY AGENT THE INFORMATION AND THEN IN A LATER CONVERSATION, MY AGENT FORWARDED ME THE MESSAGE. WHAT A MESS. IN A SCRAMBLE, MY AGENT SOUGHT A - OPINION AND ASKED ME TO SEND ALL MY INFORMATION TO A - LOAN OFFICER. I ASKED FOR MY COMPLETE DOCUMENTS FROM PRIME LENDING AND IT TOOK THEM FOREVER TO GRANT ME THAT REQUEST. THE NEW LOAN OFFICER TRIED SO HARD BY EVEN GOING UP TO HIS CEO BUT HE SAID PRIMELENDING HAD ALREADY FLAGGED ME AND HE COULD NOT DO IT WHICH WAS A SHAME. HE STATED IF I HAD GIVEN HIM THE LOAN PAPERS FIRST, THAT HE WOULD HAVE GOTTEN THE LOAN FOR ME BUT NOW IT IS TOO LATE. WITH THIS DECISION, I LOST THE HOUSE AND MY EARNEST MONEY. PRESENTLY, I HAVE NO WHERE TO LIVE BECAUSE I GAVE UP MY RENTAL AND NOW THE LANDLORD HAS A NEW TENANT. MY FAMILY AND I WILL HAVE TO LEAVE BY THE END OF THE MONTH. THIS TRANSACTION WAS SUCH A DISASTER AND THERE WAS SO MANY UNPROFESSIONAL MOMENTS. I AM SO DEVASTATED.