Country Land and Homes

Complaint: [redacted] I am rejecting this response because: before we handed over the check we specifically asked if the loan was completely approved and finishedFirst of all, we had never bought a house before, we were never told that buying a car would revoke our loanSecondly, we were told by [redacted] that once we completed our phone interview with the mortgage company we were completely finished with all aspects of the loan processLastly, we were under the impression our down payment was being sent to the mortgage company not the manufacturer, this however was not the case, we didn't find out he sent it to the manufacturer until after the loan was revokedThe information given to us about the loan process was inaccurateHad we known we were still in a situation where the loan was not finalized as we had been told it was, we more than likely would not have handed over the check and we definitely would have waited to purchase our carI feel like we were mislead in order for him to make a sale and get us to hand over our check Regards, [redacted]

[redacted] Dear Mr Schlereth, We are in receipt of a letter from the Revdex.com office in Fort Collins dated August 4th, I apologize for the delay in the response but this letter was inadvertanly overlookedWe have not received any email communications In response to Mr and Mrs [redacted] s complaint # [redacted] The [redacted] s visited Country Land and Homes in February of On the 20th of February they were given Credit Approvel from [redacted] of Knoxville TN On the credit approval, please see the notation of 10% down - (minimum) We do not obtain credit for a customerThey are welcome to use any lender they chooseThey were given approval by 21st, were given the conditions of approval by 21st and they decided to continue with 21st They signed off on a Special Order Singlewide home from [redacted] on February 24th, On March 3, they gave to us a Cashiers Check in the abount of $ We prepared our internal closing papers which include our cash sale contract and Colorado Form 500- The Colorado form is Mandatory Both have been signed by [redacted] and [redacted] On both the Contract AND on the Form 500, it states CLEARLY, not in fine print $Non-Refundable Part Payment due at time of order, on or before 04/01/ This was a custom order for these buyersWe ordered the home for them In the time between the order being placed and the house delivering to Fort Collins, The [redacted] s CHANGED their credit situationBecause of their actions, 21st could no longer offer them the loanWe cannot disclose what they did to change their credit situation, but the [redacted] s can certainly explain it The lender tried tried to get them to fit within their guidelines AFTER the [redacted] s changed their situation but it did not work out Their loan was denied So, we have a house here at our location that we did not plan on nor did we want We have had to add this house to our inventory flooring, we pay interest monthly on this home I am attaching the back side of the Colorado Form Please see Section 6, Failure to Complete Purchase It states the Following " The Buyer has no legal right to rescind this contract absent delinquent delivery of the unit, an increase in price or the existence of a sepcific right of recision set forth in the contractIf buyer fails or refuses to complete this purchase within the time frame specificed in this contract or as specificed in the uniform Commercial Code of the State in which Buyer signs this contact, for any reason, DEALER may keep that portion of Buyers down payment which will adequately compensate dealer for consequential damages, inceidental damages and all other amages, expenses or losses incurred by Dealer because Buyer fails to complete this purchase Again, we are paying floorplan interest on this home as well as insurance (open lot based on inventory) We have agreed to sell this home on their behalf and return their down payment LESS expenses I have attached the following copies for you to review 1.)Signed Colorado Form along with the back side with additiona terms and conditions Please note the REMARKS in Bold on the front side of Form which states NON REFUNDABLE 2.) Cash Sale Contract- again in Bold - Section F- NON REFUNDABLE 3.) 21st Mortgage Corporation - Credit Approval - Minimum 10% (total equity) - See page under comments showing UNABLE TO REAPPROVE If you have any questions, please email me or call at 970-221- Thank you for your consideration [redacted] General Manager Country Land and Homes LLC E Mulberry Street Fort Collins, CO Attachments area Preview attachment [redacted] .pdf PDF [redacted] .pdf

Complaint: [redacted]
I am rejecting this response because: before we handed over the check we specifically asked if the loan was completely approved and finished. First of all, we had never bought a house before, we were never told that buying a car would revoke our loan. Secondly, we were told by [redacted] that once we completed our phone interview with the mortgage company we were completely finished with all aspects of the loan process. Lastly, we were under the impression our down payment was being sent to the mortgage company not the manufacturer, this however was not the case, we didn't find out he sent it to the manufacturer until after the loan was revoked. The information given to us about the loan process was inaccurate. Had we known we were still in a situation where the loan was not finalized as we had been told it was, we more than likely would not have handed over the check and we definitely would have waited to purchase our car. I feel like we were mislead in order for him to make a sale and get us to hand over our check. 
Regards,
[redacted]

[redacted]
Mr Shlereth,
I do not know why the follow up Revdex.com complaints reponses from the [redacted]s went to [email protected].
My Original response was from [email protected]
Thats our active email account, CLH Commercial is not. I check it every so often, and just checked it today and received this response. (I had been checking the Revdex.com website for a response or status- it has no information for Country Land and Homes)
The [redacted]s Wrote:
"I am rejecting this response because: before we handed over the check we specifically asked if the loan was completely approved and finished. First of all, we had never bought a house before, we were never told that buying a car would revoke our loan. Secondly, we were told by [redacted] that once we completed our phone interview with the mortgage company we were completely finished with all aspects of the loan process. Lastly, we were under the impression our down payment was being sent to the mortgage company not the manufacturer, this however was not the case, we didn't find out he sent it to the manufacturer until after the loan was revoked. The information given to us about the loan process was inaccurate. Had we known we were still in a situation where the loan was not finalized as we had been told it was, we more than likely would not have handed over the check and we definitely would have waited to purchase our car. I feel like we were mislead in order for him to make a sale and get us to hand over our check. "
The check given to us served two purposes.
The lender requires a specific amount down to make the loan and for the purchaser to have equity in the house. The factory also requires a specific amount to build the house. $5843.36 was the amount required, the [redacted]s rounded it up to $5844.00
Once the house is built, it is Floored with our finance company. The factory is paid in full and we pay interest on the house until its delivered, installed and the phone audit is completed by the customer. At that point, the flooring company is paid off and we receive proceeds. Out of those proceeds we pay for delivery, installation, our profit, etc.
Im not sure why the [redacted]s would think that the Lender gets the check. Why would a factory build a house with nothing down? A site built builder wouldnt do it, nor would a factory. What is the lender to do with the check? There is no loan yet.
As far as a vehicle purchase, we didnt find out about it until the loan was due to fund. There are any number of things that can happen that would cause a lender to not make a loan.
What if a job is lost before a loan is funded? Would [redacted] and [redacted] expect 21st to make them a loan at that point?
The same thing goes for taking on additional debt before the loan closed. The Consumer HAS to be responsible for their credit. I understand its their first house. But do they believe they should have no responsibility for this?
They are correct that the loan is complete once the final phone interview is done. The phone interview is done when the house is delivered and setup is completed. The lender is told by the customer that it is okay to fund the loan. Everyone is paid off at that time.
As far as the closing remarks by the [redacted]s, if they dont give us a check to order a house, we dont sell a them a house.
Honestly, Had they come to us with questions about their credit and purchasing a new car, we would have aked them to contact 21st Mortgage. Dodd/Frank has put huge limitations on what we can discus with a buyer. We dont pull credit here, we dont make credit decisions. We dont make anyone buy a house. This is not high pressured car sales. We are not in a better postion right now for having this deal go south. Since this has happened, we pay the interest on this house. We pay the open lot insurance on this house.  We are advertising this house
The [redacted]s may file a complaint with Small Claims if they wish. We are confident in our paperwork. The contract, the Colorado Form 500. The Colorado Statute 6-1-605. All signed by both buyers.
We are attempting to sell this home on their behalf. We are advertising the home. We are not stocking another singlewide until theirs sells. What we are having a problem with is the $2500.00 Stainless Steel Appliance package they put on this house. Great for them because thats what they wanted. Not great for selling to a customer who needs to keep costs down, which is our typical singlewide customer.
We will wait to hear from the [redacted]s.
Again, please send all email correspondence to [email protected]
Thank you
[redacted]
General Manager

[redacted]
[redacted]
[redacted]
[redacted]
Dear Mr Schlereth,
We are in receipt of a letter from the Revdex.com office in Fort Collins dated August 4th, 2014. I apologize for the delay in the response...

but this letter was inadvertanly overlooked. We have not received any email communications.
In response to Mr and Mrs [redacted]s complaint # [redacted]
The [redacted]s visited Country Land and Homes in February of 2014.  On the 20th of February they were given Credit Approvel from [redacted] of Knoxville TN.
On the credit approval, please see the notation of 10% down - 5766.88 (minimum)
We do not obtain credit for a customer. They are welcome to use any lender they choose. They were given approval by 21st, were given the conditions of approval by 21st and they decided to continue with 21st
They signed off on a Special Order Singlewide home from [redacted] on February 24th, 2014
On March 3, 2014 they gave to us a Cashiers Check in the abount of $5844.00
We prepared our internal closing papers which include our cash
 sale contract and Colorado Form 500- The Colorado form 500 is Mandatory.
Both have been signed by [redacted] and [redacted]
On both the Contract AND on the Form 500, it states CLEARLY, not in fine print
$5843.36 Non-Refundable Part Payment due at time of order, on or before 04/01/14
This was a custom order for these buyers. We ordered the home for them.
In the time between the order being placed and the house delivering to Fort Collins, The [redacted]s CHANGED their credit situation. Because of their actions, 21st could no longer offer them the loan. We cannot disclose what they did to change their credit situation, but the [redacted]s can certainly explain it.
The lender tried tried to get them to fit within their guidelines AFTER the [redacted]s changed their situation but it did not work out.
Their loan was denied.
So, we have a house here at our location that we did not plan on nor did we want.
We have had to add this house to our inventory flooring, we pay interest monthly on this home.
I am attaching the back side of the Colorado Form 500. Please see Section 6, Failure to Complete Purchase.
It states the Following " The Buyer has no legal right to rescind this contract absent delinquent delivery of the unit, an increase in price or the existence of a sepcific right of recision set forth in the contract. If buyer fails or refuses to complete this purchase within the time frame specificed in this contract or as specificed in the uniform Commercial Code of the State in which Buyer signs this contact, for any reason, DEALER may keep that portion of Buyers down payment which will adequately compensate dealer for consequential damages, inceidental damages and all other amages, expenses or losses incurred by Dealer because Buyer fails to complete this purchase.
Again, we are paying floorplan interest on this home as well as insurance (open lot based on inventory)
We have agreed to sell this home on their behalf and return their down payment LESS expenses.
I have attached the following copies for you to review
1.)Signed Colorado Form 500 along with the back side with additiona terms and conditions
Please note the REMARKS in Bold on the front side of Form 500 which states NON REFUNDABLE
2.) Cash Sale Contract- again in Bold - Section F- NON REFUNDABLE
3.) 21st Mortgage Corporation - Credit Approval - Minimum 10% (total equity) - See page 2 under comments showing UNABLE TO REAPPROVE.
If you have any questions, please email me or call at 970-221-1537.
Thank you for your consideration.
[redacted]
General Manager
Country Land and Homes LLC
1701 E Mulberry Street
Fort Collins, CO 80524
Attachments area
Preview attachment [redacted].pdf
PDF
[redacted].pdf