Envoy Mortgage Ltd. Mortgage Complaint

Envoy Mortgage Ltd. Mortgage department,

Conventional fixed mortgage Application, originator, mortgage broker Massachusetts

- - - : - Envoy Mortgage. & - - - - ID : - In the process of buying my first house I was treated very poorly by both of these gentlemen. They were unethical, untruthful, harmful to my credit, and most of all did serious irreparable damage to my life. They did not at any point follow any - rules or send any disclosures. They lied and said I was approved when I was apparently was not. They lied and said they worked together when they did not. They ran an incredibly excessive - hard inquiries all on different days. - handed me off to - without my consent under the pretext that they were " co-workers '' and although - had me approved - had an approval that was less labor intensive. Once working with - I provided him with all the required documents that were asked for and he had given my real estate agent an okay to close. 3 days before closing he sent out an email saying he could not follow through on his commitment. This is after both the seller and myself had already arranged moving, movers, and arranged contracts for living arrangements


later told not approved I never received anything in writing from either of them. Not a single disclosure of any form. The only document I received was a breakdown of the rate and terms of my approval that was much higher than what I quoted verbally in every way shape and form. The rate and fees were not even close to what I was quoted originally. The - hard inquiries and pass off between brokers without my consent left my credit score vastly lower then it was when I started. I think this was done to reduce my score enough so they could justify charging me higher rates & fee 's. I ended up finding a lender on my own who was able to provide me with financing but the rate & fees were higher due to my drop in fico score specifically due to the excessive hard inquiries made by - & -. I have - witnesses ( - realtors, - different mortgage broker, - senior loan originator ) who were all involved in the process who not only can be reached to corroborate everything I have told you but suggested I report this. This did serious damage to me financially in many different ways. After being told your clear to close then 3 days before closing getting an email to even a phone call telling me it 's not possible led to -, -, and a scramble to find living arrangements. I also had to make a $1000.00 concession on my original offer to sellers just to keep the deal together so the new lender could have time to actually put together the mortgage which was more expensive specifically due to the excessive inquiries made by - - -.