Cardinal Financial Company, LP Mortgage Complaint

Cardinal Financial Company, LP Mortgage department,

FHA mortgage Settlement process and costs Georgia

I have been working with Cardinal for months. I sent you a complaint a few weeks ago. Nothing was done, but not things are even more serious. I think they are intentionally trying to make sure that my loan is denied, probably because I filed the complaint. I was suppose to close on -. I did n't. Not because I had n't done what i was suppose to do, but because they kept changing the " fha guidelines ''. They constantly lie to me. I was told I had to verify funds of 1 % of the loan or more, but the day before closing they started demanding all this extra paperwork that is not required. They have contradicted themselves over and over and I think they are doing it on purpose. I did everything they asked. I got them the paperwork and then I was told underwriting had approved the loan, but because my score had changed ( It was still higher then then - required for fha ) the president of the company would have to sign off on my loan. All of this on the day of closing. I 've never heard of such a thing happening.


n't approve it. I was given all these excuses and now I have less than 8 days to raise my score by - points or lose - dollars that could have been used towards my special needs child and the home. I ca n't afford to lose this home, but they have done so many things. I even asked if they were doing this because i was -. Cause I ca n't think of any reason why they would be giving me such a hard time when i 've jumped through hoops to make this happen. I asked the loan processor, - -, if i needed to pay my credit cards down because the balance went up. I asked him this 2 weeks or more ago. He said NO. He said that as long as the minimum payment was low it would be fine. Now I 'm being told that I need to do whatever to raise my score, including paying down the balance on my credit card or I wo n't get the loan. I 'm in my extension period. I have paid down the credit cards as of yesterday and they are suppose to submit a rapid rescore on monday. I pray this will resolve the score issue, and I can finally close, but I feel that they are intentionally putting road blocks up. Why offer fha loans if you are n't going to follow the guidelines. They have me in a horrible position. They know this and they do n't seem to care. Oh and I was given conditional approval weeks ago and I was also told that underwriting approved everything but the president would n't sign off because my score had dropped and when asked to manually approve because the score drop was a mistake i was told she would n't. all of this on the day of closing.