Amerisave Mortgage Complaint

Amerisave Mortgage department,

FHA mortgage Credit decision / Underwriting Texas

Hi - This is in regards to a possible ECOA, Regulation B, and UDAAP violation with Amerisave Mortgage. I have applied for a mortgage loan in - 2016 and was pre-approved. I spoke to the loan officer and he told me to submit certain loan documents to be submitted to the underwriters. I submitted all documents as requested and received a phone call to submit my drivers license. I submitted my drivers license -/-/2016. I emailed the loan officer back and told him it was submitted. I have no heard from the loan officer since then. My credit is not the greatest or not the worst, it is in between and my DTI was a little high but I was within the FHA guidelines, per the loan officer. A month later today -/-/2016, I called the loan officer and asked him why I have not heard from him a little over a month. He stated that I was n't 'pre-qualify. ' But my loan status/application said I was pre-approved. He did specified when I first applied for the loan that in order to get pre-qualify, he will need to send the following documents i submitted to underwriting. However, I have


he did not want to work on my loan but would rather work on loan applications that has the best credit so he can get his incentives. I understand this, but I should not be mistreated due to my credit or even income. I should be treated the same as the person who has - credit this is call 'FAIR LENDING. ' I feel that this is a violation of ECOA, Regulation B, UDAAP, and fair lending. All customers should be treated equal when it comes to credit applications. I understand the sale incentives, there should be some type of oversight within the team members to ensure that they are treating all customers equally. I plan on filing a lawsuit. Company : Amerisave Mortgage