Jet-air Cleaner

We have investigated this complaint which occurred with an employee ( [redacted] - [redacted] ) and will be working directly with customer to settleLatest e-mail communication below:June *, 2015***,As you are now aware, [redacted] and United Northern Mortgage Bankers have parted waysIt is very disappointing to us to know that this has occurred and we will do everything to rectify the promise madeUnited Northern does not condone this lack of customer service, in fact, we take great pride in our customer serviceIf you will forward me your address, a check will be issued immediatelyI am sorry that you had to go through all of this trouble but hope that in the future we can again do business Thank you[redacted] ?

From: *** *** Sent: Thursday, June **, 3:PMSubject: Revdex.com Complaint RE: *** *** & *** *** loan These borrowers came to me to buy a homeThey told me they were married and were looking for a new homeThey told me they wanted to do a USDA loan so they did not
have to borrower any money from Family to buy the home.When borrower sent me the Federal tax returns it said they were married but borrowers could not produce any marriage certificateI informed the borrower that filling tax returns as married is not the rightthing to do if in fact your not. I told them they had collections accounts on credit that were big and will cause issues 1) *** *** had a *** car repossession balance of $4,plus dollars 2) *** *** had a $plus dollar *** bill collectionBorrowers told me that was a long time ago and they do not know why it was of any concernThey wanted to still move forward.. I submitted loan to *** , the loan and issued a conditional approvalThe appraisal was ordered and completedthe home they were purchasing had many issues that needed to be fixedBy the time the seller had home fixed and final conditions were resubmitted to ***, it was December. After review of loan documentation, the Underwriter denied loan due to USDA's policy change 12-*-that the collections exceeded a certain dollar amount and the loan is no longer qualified for a USDA loanThe** said she needed to pay off the collections then we could move forward with loan to send to USDA local officeBorrower said she did not want to pay off those olds debts.Borrower was notified of Denial in the middle December. *** *** *** called me on phone a few months later, I respectfully say *** *** was in tears asking me to please help them again.I told *** the collection accounts will be an issue no matter what we do, she said that if need be she could pay them now, she had received a gift from her father and had money to deal with the collectionsShe told me she was on workman's comp since January I told her we could not close loan until you were back on jobshe said the company will be taking her back. February *** we re-ran credits *** ***s credit was mid *** score *** *** score was 655 the loan was submitted back to an Underwriter in early March and the file was issued a conditional approval o2nce again the we got back to collections accounts with new UnderwriterI told *** *** that the Underwriter again needs the collection resolvedIt took *** from the time we restarted loan 2-**-until about 5-**-to produce the collection debts being resolvedThe old Credit expired and was days old 5-**-A new credit was re-ran *** ***s credit score dropped to middle *** scoreI immediately called borrower and told her the score has dropped too low for use to do the loanWe went through credit report line by line seems she had open a new credit card and and had been paying her bills on it she said the balance for the new *** *** card was $3,dollars. I asked *** what do you mean your paying your bills on a credit carddoes *** still have his job do you still have your job? what is going on? she just began to cry and said they now had to move out of home. The boyfriend *** *** who she said was her husband then filed a complaint against me and our bank I am not he sure knows all that United Northern had tried to do to help but we can only work with what we are givenI did everything I could to help them But the credit score dropped due to the credit activity that the borrower never said any word about. I truly wish this had worked out for the borrower but the credit activity disqualifies them for a loan at this time. Respectively,*** *** ***NMLS ID# ***United Northern Mortgage Bankers, Ltd.*** *** *** *** *** ** ***###-###-####

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.
Sincerely,
[redacted]

We have investigated this complaint which occurred with an employee ([redacted]- [redacted]) and will be working directly with customer to settle. Latest e-mail communication below:June *, 2015[redacted],As you are now aware, [redacted] and United Northern Mortgage Bankers have parted ways. It...

is very disappointing to us to know that this has occurred and we will do everything to rectify the promise made. United Northern does not condone this lack of customer service, in fact, we take great pride in our customer service. If you will forward me your address, a check will be issued immediately. I am sorry that you had to go through all of this trouble but hope that in the future we can again do business.  Thank you.[redacted]
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