RBS Citizens Mortgage Complaint

RBS Citizens Mortgage department,

Conventional fixed mortgage Settlement process and costs North Carolina

I contracted with a home builder to build a new home. The mortgage company ( Citizens Bank ) requested that I let them know when the house is 75 % complete so that they can order the appraisal. On -/-/-, I notified them that the house was - % complete. I do n't know exactly when the appraisal was ordered, but I learned the day before our scheduled closing ( which was to be -/-/15 ) that there were problems with the appraisal, and the appraiser needed to complete some steps before closing. I managed to track down the appraiser 's email address and phone number, and contacted him to complete his appraisal. According to the appraiser, he did his appraisal, submitted it, fixed it upon request from Citizens Bank, and re-submitted. Citizens Bank did not have their job complete for our scheduled closing on -/-/-, so the closing was delayed. I then had to reschedule appointments and deliveries that were to be handled on -/-/-. I delayed them to be the next day. I also learned that the builder has a


Since -/-/- is -, and a bank holiday, no progress was made that day. But we were assured it would be handled Thursday, and we could close Thursday afternoon. Mid-day Thursday, it became apparent that the closing would n't happen Thursday either. I again rescheduled appointments and deliveries from Thursday to Friday. By the close of business on Thursday, I was told that the appraiser still needed to submit some information to the bank. So essentially - no progress was made Thursday, either. We rescheduled the closing for Friday at -. Early Friday morning, I drove to the house to take pictures that the appraiser needed to submit, and sent them to him to help move the process along. It is now noon on Friday, and the appraiser just told my real estate agent that he just now heard that he needs to submit pictures. It 's clear that we will not be closing today. I have family coming from out of town tomorrow to help us move, and it seems we will not be able to do that. There are now more deliveries that I need to reschedule again, certainly with financial penalties at this point. From my point of view, there has not been any progress on the appraisal since last week. The appraisal was ordered so late that it needed to go perfectly to avoid delaying the closing. But it did n't go perfectly. There were problems, still unresolved, and nobody can say when the closing will happen.