M&T Bank Corporation Mortgage Complaint

M&T Bank Corporation Mortgage department,

FHA mortgage Settlement process and costs New York

Among all of the issues I had with our mortgage broker and being harassed, the - issue that I am infuriated with is not being provided with our loan estimate details at any point during the loan process after we submitted our mortgage loan application and had to come up with a large sum of money 3 days before out closing. I was informed, later that the loan estimates should have been provided to us within 3 business days of submitting the application. We met with our broker on -/-/16, he wrote down figures on a blank sheet of paper, we signed some forms and met at my workplace the following week to provide additional requested documents to my broker, he told us to date all of the documents -/-/16 as that is the dare that we met. I followed up via email the following week and the broker confirmed the application was submitted on -/-/16 yet when I submitted my complaint to my bank, they are claiming that I received the loan estimates and provided me with a copy ( first time I saw this ) which was dated on -/-/16. I am confused how the loan details were


this was something was not just overlooked but was falsified. I was unaware that we were supposed to receive this document until I was reviewing our closing disclosure- and questioned the required funds with the broker and my attorney because it stated we needed to come with several thousands of dollars within 3 days. If I would have received the loan details within the 3 business days of submitting our application as mandated, then I would not have become stick, have -, needed to scramble for answers regarding the discrepancy and for additional funds. Additional, I was later harassed by the broker and then he told me his job was in jeopardy- why would he state this if he did nothing wrong? We received our loan commitment, clear to close, closing disclosure and other documents however not the loan estimates " conveniently '' were never sent to us at any point.