Our original closing date was October 30... and when our loan officer was lying to us about the appraisal and approval being ready we got a 16 day extension from the seller without saying anything. Well when we passed through that period, and dealt with more crap from this guy we had another two closing dates pass. Finally we "got approval" "clear to close" the day before thanksgiving, after submitting proof of my son's birth, because we had a $100 check deposited in our account that said "Baby Kasem" in the memo. "Because of the holiday" we couldn't close on the 23rd since the title wouldn't be done, so they seller suggested tuesday the 27th. Then our loan officer says to us yesterday, "title company needs proof you're not purchasing the other house." Well we gave you the signed Termination of Sale from the sellers agent and the termination of the loan from our previous lender, so why didn't anyone tell us we needed an actual cancellation of a FHA case number before?We've had nothing but problems with this guy, and I've literally become sick about all the lies and procrastinating we've seen from him. So now I am wondering if we even have approval at all? Chase bank sent us the screen shot of the FHA Connection query page and it didn't say anything about the case being cancelled, just Last Action: 6/8/12 apraisal ordered.So now I am yelling at Chase bank to close the old FHA case number so the "Title company" can finish the loan so we can close, but I'm really starting to think we don't even have approval, he's still lying, and when I get him the cancellation he's going to pull another "oh well the bank needs this now."I wanted to walk away from him a long time ago, but kept hoping that when he said "approval tomorrow" or "just this last thing" he was actually going to be truthful, just one time! I'm not sure what our rights are as home buyers, but I even called his boss and he wouldn't call me back. I left messages requesting help. And when I call Flagstar, they tell me since he's working as a "broker" he's considered wholesale, they may not even be writing the loan in the end, and if we want answers we have to talk to his boss. The one who won't call me back.Sorry to spill my guts here, I'm just sick about this. I never want to buy a home again. This has been such a sickening experience.
Husband and I were supposed to close on a new home today, but the title company wouldn't complete their part because they are saying the need proof of FHA case cancellation from a loan we tried to get over the summer time. It was almost six months ago we lost a home due to it being taken off the market when our lender discovered the title was bad. We signed termination of sale with the seller and even received a letter from our bank stating the loan was terminated for that reason. Is this something a title company would typically ask for, or does this sound like a condition from our new lender? I'm leery who to believe considering our loan officer told all parties we had approval last week, then two days ago he was saying the bank wanted more conditions met. I don't know what to believe anymore..