Midwest Loan Services, Inc. Mortgage Complaint

Midwest Loan Services, Inc. Mortgage department,

Conventional fixed mortgage Credit decision / Underwriting Pennsylvania

We are trying to get a refinanced mortgage, our rate is currently 5.25 % with - -. In the beginning of -/-/-, - - from - called us to see if we wanted a lower rate. We decided to check with other banks. Midwest Loan Services had our other mortgage prior to this house, so we called them.We talked to - - and went through the entire process, locked in rate of 3.125 % on -/-/-. We received updated rate lock & good faith estimate on -/-/-. On -/-/- we received Approval with conditions form. On -/-/- we were notified via email by Midwest that the Completed Appraisal report was received. On the same day we also received an updated GFE & truth in lending report. On -/-/- we received an email stating that the property was not acceptable as collateral per - guidelines as it is a manufactured home. Back in - when we first started this process, we check with someone at Midwest in the department that handles manufactured homes and what is needed for it to be considered eligible property and we had everything that they stated and what is written in their website. Since this has happened the rates have risen a lot and that means $ - of dollars and extra years of mortgage payments. We do n't fall under the HARP or other home preservation program that we are aware of because it was built in -/-/-. My main issue is that Midwest stated on both their website and on the phone that they service manufactured homes yet after the entire process they inform us that they do not give mortgages for manufactured homes. We would n't have wasted - months and all the hours of paperwork if we would have known this in the first place. We would have just refinanced with - -. Thank You