SIRVA, Inc. Mortgage Complaint

SIRVA, Inc. Mortgage department,

Conventional fixed mortgage Application, originator, mortgage broker Pennsylvania

I applied for a pre-approval with Sirva Mortgage on - -, I received approval for $ - - I advised that I did not plan to buy until - as it is a relocation through my job promotion. We agreed we would put down - % of the loan as the deposit and my company would pay for the closing cost and i would be responsible for prepaids. A couple days later we ended up finding a property for $ -, my relator reached out to - asking for a preapproval letter and with the offer we planned to make asking for $ - in prepaids. We spoke with - - a loan relocation counselor and she stated it was illegal for us to ask for the seller to pay anymore than $ - - my relator challenged her and explained the amount of the takes - she was admit that the prepaids would not be more than $ - - this conversation took place with her on - - - from that moment on, we knew we had to show up to closing with 5 % minus the deposit we put down which meant we would need to come


to be fixed, we agreed with the seller to accept a $ - seller credit for repairs. On - -, we received what was supposed to be our " final '' loan disclosure showing what we needed to bring to closing. The amount was about $ - different than what Iwe were previously told to bring to closing - with a remaining $ - and the difference of the $ - for repairs we were under the impression coming to closing would be reduced meaning e would need to report to closing with about $ - - I called into the processor that day - mid-day, I did n't get a response back from the processor until about - and she was asking where we were going to get the remainder of the funds to close - I explained again as I had -/-/- -/-/- it would come from my husband and I pay as at this time we had $ - - I asked why the $ - repair credit was not listed and she stated she did n't know but would call me back - she also stated that I would need to have 2 months of reserve prior to closing - I explained that at no time did anyone ever tell us this and now 7 days prior to close they are saying we owe more than anyone had ever told us. She returned a call to me about - stating that they corrected the error on the sheet and now we only need to come to closing with $ - - I explained that was never shared with us - she then explained she understood why we thought the numbers were different but the issue was that the loan counselor - gave us the wrong number she stated that pre-paids were actually $6900.00 and the $ - repair credit was used to offset that - I explained that no one has ever shared that and she then explained that aalthough my job was paying all my closing cost that $980.00 could not be paid by my job and had to be added to the prepaids. I sent an e-mail of complaint that Friday night, on Mondday I continued the conversation with the processor who then sent me another statement reporting we needed $ - - I stated this did n't make since, she asked did n't ehce closer call you 10 days ago, I explained I received an e-mail from the closer asking if we were going to be at the closing but no conversation. Later that day, we received another closing statement, then a different on Tuesday and a different one on Wednesday and then I received a call from the CEO - " - '' attempting to explain the issue and advised they were going to give a lenders credit so we would be at closing with the $ - but we are still short $ - for repairs, my conversation with him was on Thursday about - where he then advised our prepaids were not identified at $ -