DHI Mortgage Mortgage Complaint

DHI Mortgage Mortgage department,

Conventional fixed mortgage Credit decision / Underwriting Oregon

On -/-/- we entered into a contract with - - ( homebuilder ) and DHI ( lender ). Several discussions with their MLO - - ( - - ) led to a submitted application and preapproval. It was during this preapproval that we discovered the existing of a Federal Tax Lien on my husband 's ( - -, - ) bureau. We believed at the time the lien was associated with his father. My husband does out past income taxes and is currently on a repayment plan, paid as agreed. This was disclosed to the MLO. On -/-/- - emailed us to inform us that the application was going to be receiving credit approval ( conditional ). We fully expected to be required to provide proof of payments, balance, etc. but to our surprise - asked for nothing pertaining to the -. On - - was provided a copy of the installment agreements and payment history for the lien after a discussion with my husband. - acknowledged receipt of the documents. We received a conditional approval on -/-/- from - - ( - - ) and satisfied the conditions of the approval ( which still requested nothing regarding the lien


even more money down due to - - FHA limits. The error is this. - was provided the information and in escalating the satisfied conditional approval of the conventional loan it was revealed to me by - - ( Asst. Nat'l Resolutions Manager ) that in an internal email/document between the underwriter and - AFTER having received our lien documents and payments that he informed underwriting the tax debt/lien was not associated with - which led to their credit approval. It is my strong belief that this is a violation of UDAAP in that - had direct knowledge and confirmed receipt of the information but withheld the information in an attempt to gain the approval. However, at my request, I asked - to investigate the loan amount on the approval as it was $ - short at which time underwriting somehow became aware of the voluntary and/or deliberate withholding of our credit information and - contacted me to pursue the FHA loan instead. The situation was escalated and - ( ph # - ) admitted there were " communication errors '' on behalf of - but that we 'd be required to pursue the FHA loan and provide approximately $ - in closing costs. She acknowledged with - 's manager ( - ) on the phone that errors were made but - would not portfolio our loan and our only option was the FHA. I cited my concern with UDAAP, ECOA, HMDA, and TILA and asked to speak with a compliance officer or legal team representative and she refused to provide me any contact of a subject matter expert. I have every conversation in email as well as our conditional approval and conditional credit approval that were both satisfied.