USAA Savings Mortgage Complaint

USAA Savings Mortgage department,

Conventional fixed mortgage Application, originator, mortgage broker Michigan

USAA ( loan officer - - ) pre-approved me for a $410000.00 mortgage loan in - 2016. I searched for a home and found -. In - 2016, USAA approved me for a mortgage of $160000.00, but the home purchase fell through due to damage exposed in the home inspection. In -, since the previous pre-qualification had expired, USAA again ( though this time, through a supervisor, - - - pre-approved me for a mortgage of $410000.00. I was unable to find a house, and approximately 90 days later on - -, 2016 USAA ( through - - ) approved me for a mortgage of $410000.00. For each mortgage pre-approval ( and for the approved mortgage ), I disclosed that 100 % of my income for the past 6 years was earned abroad and that I have not yet filed - tax returns on this income. I completed a full credit report and - hour interview, which USAA recorded. After I made a contract on a home on - -, USAA suddenly declared that it would be unable to issue a mortgage for $160000.00 since all of my income was earned abroad. This should not have been - and indeed


this would also put them on the title, until later ). USAA rarely returned my calls until finally, on - - I was referred to their " executive resolutions team. '' The agent told me to provide proof of filing - tax returns, and I told him to " not cancel my application '' and that I would provide him proof in 2 days, as I had a CPA meeting on the -. On - -, USAA overnighted a mortgage application for me to sign and return by - -, 2016. They sent the same package to my parents and both packages contained confidential information related to me that USAA was not permitted to disclose. What 's more, the application was riddled with errors and could not be signed in the state that it was sent. I emailed USAA on - - asking what to do with the application. USAA then informed me that I " no longer had any applications with USAA '', since the application had been cancelled on - -. In response to my inquiry, USAA explained that the application had been overnighted on the evening of the following day in error. I was referred to the CEO 's resolution team, and then to the business resolution team, and no one has managed to resolve this. Now, my closing date has been cancelled and I am looking for another lender. This experience has been a hardship for me and my family.