Highlands Residential Mortgage Mortgage Complaint

Highlands Residential Mortgage Mortgage department,

FHA mortgage Settlement process and costs Tennessee

I relocated to Tennessee this year and started construction on a new home which was and is my first home. After applying for FHA loans through a few lenders I decided to accept a mortgage with Highlands Mortgage. I was in constant communication with their staff via e-mail and phone. E-mail was the primary. Throughout the process we discussed rates and expectations. We settled on a closing date of Friday, - - and i requested that the final closing be given to me at least 3 business days before close as per the CFPB website. I was given various draft closing disclosures prior to the close that were inaccurate and was told not to worry as they were not final. The lender advised me constantly that these were preliminary and not final. I requested the final closing disclosure numerous times in writing before Friday, - -. On Thursday, - - I had extensive e-mail communications with the lender where i demanded the final figures and was told that they were still working on it. I had a real estate attorney prepared to review the disclosure to make sure that all was in order. The lender sent me the final closing


after using the tools on the CFPB website to make sure that all was in order which it was not as after the close the lender and the closing agent called and e-mailed me to amend the documents a few weeks after the close. When i advised them that I needed time to review then changes they were proposing they threatened to pull back the loan on the house if I did not move quickly to execute the updated closing documents. I have all these communications and exchanges in writing since i would not take phone calls anymore due to the threats. Lastly my wife signed documents with me at the close although i 'm the only - on the note. She was supposed to be quick claimed to the deed so that we are both on the deed. I have called the town twice to get a copy of the deed and I am the only - on the deed. i have followed up with the lender and closing agent in writing three times and they will not respond nor take action to correct the deed as agreed upon