In processing my FHA loan application, I received a call from the loan officer. He said he was writing my pre-approval letter and it would arrive in email in a few minutes. It never came. My realtor emailed him and asked for a copy. He didn't respond. I called the HQ in Ohio, they switched me to another agent. The new agent contacted me and within a few hours, demanded that I take action that violates numerous federal rights. She ordered me to remove disputes on non-derogatory accounts that are nearly 6 years old. I informed her of my rights and knowledge of FHA mortgage guidelines which do not require an applicant to remove disputes from non-derogatory accounts over 24 months old. She did not respond. On this email, the agent copied my realtor and nine others from various companies with my private credit report information by attaching numerous screenshots of the report details. I emailed Customer Service and asked for underwriting to issue a Mortgagee Letter required under FHA guidelines to enable the applicant to provide documents, evidence, and affidavits. No response yet. It is best to avoid this company and go with another. So far for me, there has been nothing but headaches, embarrassment, humiliation, unlawful demands, and deliberate deception at this early stage of the game.
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