Mortgage America

The loan officer was trying to get [redacted] prequalified for a mortgage in JuneShe didn't qualify for the amount that she wanted to pay off her (2) mortgages along with her other debt that she wanted to pay off through the cash-out refinanceShe works at [redacted] full-time and she also has her own cleaning business that she claims on her schedule "c" and it shows a small lossShe wanted to know what she can do to get qualified for the loan that she neededHe told [redacted] that she would have to make at least an additional $270/month to qualify for the loanShe said she can get a part-time W-job cleaning with a set number of hours per weekThe loan officer got the income approved since she had a year plus work history in the cleaning business[redacted] confirmed with the loan officer that she got the additional part-time job and she gets paid $10/hour and she works hours per weekThe loan officer went back to [redacted] 's house to take her application for a mortgageWhile the loan officer was at her house [redacted] called [redacted] , her current lender, to get the monthly amount that she pays for her escrowsWhen the application was taken the taxes & insurance were based off of the amount of the monthly escrows that [redacted] told the loan officer she paid per month.The application was signed on July 28th with an estimated monthly payment of $She wanted to close at the end of AugustThe loan went to the processing department on 7/and additional documentation was requested from [redacted] on July 31stWhile we were waiting for her appraisal, the processor was trying to get her income verified for her part-time cleaning job along with gathering the other information that was needed from herThe appraisal was ordered on July 28thOn 8/the appraiser updated [redacted] (LOS) to let us know that they were trying to schedule the appraisal for 8/and the date didn't work for [redacted] since she didn't know her work schedule until 8/She instructed the appraiser to call back on 8/On 8/the appraiser posted that they have left messages and she hasn't returned their phone callsOn 8/the appraiser posted in [redacted] that the appraisal is scheduled for 8/We received the appraisal on 8/When the appraisal was reviewed the processor noticed the taxes were higher than the taxes that were disclosed to the loan officerThe homeowner's insurance also came in higher than what was being used for the original estimated monthly paymentThe monthly payment went from $to $With this new payment she no longer qualified for the mortgage.We found out when [redacted] told the loan officer the monthly escrow amount, it only included taxesShe didn't tell the loan officer that she doesn't escrow her homeowner's insurance in with her monthly mortgage payment with [redacted] This was what caused the taxes & insurance to be incorrect from the beginningWe spoke to [redacted] several times to let her know why she no longer qualified for the mortgage since the original taxes & insurance payments were incorrect

I purchased a car wash at their facility and when I got up to the beginning of the car wash, the attendant ripped the mirror of my car right off the side because he wasn't paying attention I then proceeded to make a complaint with the company, and asked that they repair the mirror, at not cost to me