Fannie Mae Reviews

My agent said they would put up to 5k into the house to prepare it for inspection. We were ok with that. We let our agent know the snow needed to also be removed from the garage for an all structure VA inspection. That is when the whole deal seemed to go south. The seller's agent, according to my agent, told her they could not dewinterize the house due to cracked pipes with no response on the previous conversation of repairs. What to do... now. We filed a generic release of purchase and sales agreement & escrowed funds. The seller would not sign it... They want to send an in house one.

Meantime the house is relisted for the original 108k price. Guess they satisfied the sale to someone who will live in it part of their BS paper work we signed and can now sell to a flipper. If there is a good reason for this kind practice while putting families through this kind of stress what is the point of the first look in the first place if Fannie mae has no intention of dealing honestly with a home buyer.

My next step is to look at the paperwork they send and take it to my friend who has been doing contract negotiation work for 30 years. I'm sure my agent will flip out when we walk out with their release form. Then there is the "earnest money"! Will we Get it back? If you are lucky enough to find this site before buying a house, you will have an idea of what you may be in for if you look at a Fannie Mae house for sale. I can tell you that my wife and I did all that redesign in conversation and on paper. Maybe there is a legal solution to what is being perpetrated on the public. But this is a gov. funded organization, is it not?

The sellers agent said they don't have to give a reason. I looked on HomePath and the house is back on the market!! So I cashed out my stock, cashed out a portion of my 401k to give them the outrageous amount of earnest money they demanded and gave my landlord notice. Now I don't have a home to move to. They are untrustworthy, lazy, and don't care about potential homeowners. I would tell anyone I know to stay far away from Fannie Mae/HomePath homes. I was warned, and now I am left with nothing but months of frustration.

So me being the determined one, I took the issue on head first and contacted Fannie Mae and the listing realtor and it was like talking to a rock. They didn't care and both quoted a line out of the purchase contract... "time is of the essence!". My reaction was "are you serious?" I am the only one trying to move the transaction. Not one person made a positive attempt to close the deal. I was told that I would lose the earnest money because I had allowed the contract to fall out again. So in a last ditch effort, I told them I would pay with cash. This is where things get nuts.

After I notified them that I would be paying with cash, both were suddenly enabled to communicate. I was told this time that I would need to send them another 10% of the purchase price ahead of time because all cash purchases are required to have a certain percentage down. However, this was 2 days before the actual close was scheduled and the contract was to expire. If for some reason the contract had expired or not closed, I risked losing even more earnest money.

3. They have less than normal moral standards and bully people through intimidation tactics

By the way, the property I purchased also needed the sanitary line replaced, since it had cracked from not being winterized prior to being winterized. Fannie Mae knew this and had paid to have a remodeler come in and install a new ceiling and kitchen. They covered the cracked sanitary line with framing and drywall. Looked newly remodeled. How do I know this? Because the home had been in contract 6 times before and everyone else had the same issue of the inspection... Shame, shame on Fannie Mae. The house is fully repaired and rented... But it wasn't because Fannie Mae did anything to help. They won't help you and they will only try and stop you.

Here's the funny part, the clown at Fannie Mae says he'll give me the property now for 5k more than what the accepted and told me no to the roof. He said inspections are for buyers not sellers. What type of wall street failures do they have working there? Seems like he dragged me along just to get an appraisal done. Pretty pathetic. Not going that route ever again, should have listened to a lot of people telling me how low FM is.

They took my home in 2014 and stuck me with a 1099 for $250K, $70K more than the original loan amount of $180K for interest accrued during the years that they took to foreclose so don't tell me I lived free. The mortgage relief act had expired so I have to claim that on my taxes. My credit was ruined. I am no longer a homeowner and maybe never will be. They were worse than a bank. They just don't care. No one seems to care.

I made another offer contingent on home inspection and furnace and was turned down again. I was told by my realtor that they sold to someone with a rehab loan. Of course my lender had steered me away from a rehab loan due to the high interest rates or PMI so I listened. Fannie Mae is a rip off and they are engaging in fraudulent real estate deals. Additionally the team I worked with wasn't the "A" team and we were so disappointed and the real estate market is corrupt and Fannie Mae is leading the pack.

During inspection the upstairs bathroom leaked so badly water was dripping from the kitchen ceiling within 15 minutes of turning the water on. This didn't not scare us away, we proceeded to get all out inspections and bids on the work and requested a $10,000 price reduction and to convert to a renovation loan. Home Path would not reduce the price and would not extend the closing date so we could finance through a renovation loan. We had no choice but to walk away.

We were now out $700 in inspections and Home Path would not return our $1000 in due diligence. This was heartbreaking, we loved this home and had already pictured our family living there. Heartbreak turned to anger when a week after re-listing the property Home Path dropped the price to $129,900, $10,000 below our offer. I thought real estate in our country was overhauled in an effort to return ethical business practices to the home buying process, apparently Fannie Mae is exempt. My message to you: BUYER BEWARE WHEN DEALING WITH FANNIE MAE!

I am 7 months pregnant and have been having completions making it worse and needed a bed for bed rest. My husband has heart problems and is diabetic. We had no where to store his meds where he could get them when he needed them because, they have to stay in a refrigerator. We could not get a hotel or to the home we were moving to because of gas and I was unable to travel and make all the trips needed. The realtor/caseworker never returned my call to request that papers could be signed by husband for a release of check because, needed medical care and the trip was dangerous to the pregnancy. We made extra trips to the house and was lied to over and over again when the check would get there and why they missed the appointments we had with them.

Fannie Mae make their clients (the potential buyers) sign contracts like that after Fannie Mae take our earnest money. They are doing this to me, I already paid the house IN FULL 15 days ago and Fannie Mae do not close escrow. I already contact several people from Fannie Mae and I couldn't find anyone to help me. If you also signed a contract like that please contact me at **. Fannie Mae represent a branch of the United States of America housing authority, FM can NOT operate the way they have been operating. We must stop this and change the way Fannie Mae are treating us THE PEOPLE!

Now we can make another offer, but can't participate in the Homepath program because it has expired. We have to find another loan entirely, and some of the condition issues will need to be addressed before a bank will take on the loan, which I'm sure Fannie Mae won't pay for, and we can't afford to fix right away. So we pretty much have to walk away after months of trying to get this house. Really unfair that this agency that is supposed to help people get into foreclosed homes is willing to put this back on the market (it has been vacant for 2-3 years) rather than extend the closing date one week. I will never work with Fannie Mae again.

We have now received notice that the home will foreclose. So we filed for a deed in lieu and just got notice that they will accept our deed in lieu if we bring $60,000 to the table. We don't have $60,000. We lost all our money and any equity in the home - over $100,000 - and we have no other assets to speak of other than a small IRA. We are at our wits end and want this nightmare to end. From getting online and reading it seems this is the common story with Sallie Mae - pricing homes over market value only to bring them to foreclosure and then apparently selling them as REO's in their HomePath program which requires no appraisal thus artificially inflating the market. Anyone have any advice? Help!

The property was already $42K higher than what Fanny M took it over for. Lost that one to someone who took a loan. Around 45 days later the property came back on the market. Within 6 hours of it appearing we had another offer in for the asking price. Given 24 hours to change our offer so we upped it to $700 over asking price and immediate closing. Again rejected. Both times our realtor received a call wanting to know what we were going to do with our current home even though the offer paperwork included a signed commit to reside at new property.

We are currently watching to see if it comes on the market for the 3rd time in 4 months. It's been almost a month and it is still pending. Could have owned and moved into it 3 months ago. Someone needs to investigate Fanny Mae/homepath practices and the asset managers they have hired. Something very wrong is going on here!!!

No one called me back for 24 hours, so Friday I called them again. This time, after being on hold with the rep again for a long time, I was told the offer was declined and that the house is still available to purchase. When I asked for more information and questioned about the lack of response from the listing agent, I was told "Sorry, that's all I can say." An hour later I had an email stating my client's offer was declined. Still the listing agent has not responded to me and Fannie Mae doesn't care that the listing agent is not responding to phone calls on the property.

My client is at a loss, as I am. I thought it was illegal for a seller to decline an offer if it is the list price or higher. Not sure what Fannie Mae is looking for. This is a well-qualified buyer and she didn't ask for anything except the 3.5% closing costs that Fannie Mae was advertising. Seems fishy to me. Unethical at the least.

The majority of our tenants are considered low income and during the financial hardship our country experienced, we lost everything due to lack of rents as over 30% of our tenants lost their jobs! Needless to say, the maintenance on the property is very expensive, and with no operating budget - we are forced to sell. We are having difficulty selling as there is a large pre-payment penalty and the bank won't allow a new buyer to borrow add'l funds or obtain a 2nd mortgage to purchase from us. The place is falling apart and we feel as though Fannie Mae is just waiting for us to lose everything so they can steal our lifelong investment!

They tell you one thing but don't finalize anything, drag their feet, and wait for someone else to make an offer (ANY offer, even if much lower than current offers) just to prolong the multiple offer procedure long enough to get out of the "first look" period (only owner/occupiers can make offers, thereby opening the sale to investors) and try to intimidate buyers into offering a higher price. This seems very unethical. Based on internet research, this seems to be a common complaint against Fannie Mae. A shady business practice enacted by compliant listing agents. People are being stepped on.

After being sent back to underwriting for the 3rd time due to Fannie Mae delays, our lender WELLS FARGO reneged on the loan saying it was due to a tax form. Now that the lender has backed out, we requested our deposit be returned. Fannie Mae refused saying at first it was due to having to take the home off the market, then after several more requests and dealing with the listing agents and the co. holding the $, we were told FANNIE MAE does not refund deposits. This was from a FANNIE MAE Rep. This all started in March of last year 2013 and we are still trying to get our deposit back. As far as we are concerned FANNIE MAE are CROOKS and they will steal from you the 1st chance they get.

DO NOT purchase anything from FANNIE MAE, BEWARE!!!!!!! DO NOT give them a deposit of any kind. All in ALL we are so lucky our bank backed out. The home is now listed for $35,000.00 less than we would have paid. We also found out it had more problems than first revealed. The property next door is a sinkhole property undeclared (we are so LUCKY). Isn't it amazing though they can't give us back our deposit but they can lower the property $35,000.00. We have really learned from this experience, and have since purchased a nice place with no effort at all. If you want a great realtor and lender let me know.

Short Sale Process Brief Explanation:

During a short sale process the loan servicer/bank (i.e. Bank of America, Chase, Nationstar, Seterus, etc. ) processes the short sale. They review the borrower's (aka seller's) financial information (taxes, bank statement, check stubs), hardship letter and many other documents (4506t, Dodd Frank, Arms-Length, etc). During this review process, the bank orders an appraisal or a BPO (Brokers Price Opinion). A BPO is simply a market analysis of comparable sales typically performed by a Realtor. Once the appraisal or BPO is reviewed by the bank, the investor (in this case, Fannie Mae) has the final answer. Typically the investor, whether it be FHA, VA, USDA, Freddie Mac bases the approved sales price off of the appraised value or BPO value. (please note, I am referring to just the "approved sales price", not including if the bank or investor or PMI is requesting a cash contribution or a promissory note form the borrower/seller at closing). Please also note, in order for a buyer to purchase a property, the home MUST appraise at the sales price to be eligible for a loan.

Possible Corruption Explained:

Fannie Mae has been approving a sales price significantly and might I add, unrealistically higher than market value, therefore preventing short sales to go through. I can provide all e-mails and appraisals as evidence if you are interested.

Ex. #1 A property in Lakeland FL- Offer submitted for $104k, BPO completed, valued at $105k. But Fannie Mae declined the short sale unless sales price increased to $130k. Or unless we disputed their value with evidence of a lower price. I initiated the value dispute via Homepath.com per their request, we paid $400 for an appraisal, not just a simple BPO. Appraisal came back at $106k. Sounds like the value dispute would come back in our favor, right? After all, we submitted the evidence per their request, even though they already had evidence via their BPO of the value. Fannie Mae then viewed the evidence/appraisal and still came back with $130k.

Now here's the interesting thing, if a buyer purchases the home once Fannie Mae forecloses and the buyer utilizes Fannie Mae's Homepath financing, Fannie Mae will graciously (sarcasm intended) waive the requirement to have an appraisal completed. Uneducated buyers will unknowingly be paying for a home they are now significantly upside down on! I asked one rep at Fannie Mae how are we to sell a home that does not appraise for their asking price and this was her response: FNMA has received all items provided and has determined their needed value to continue with a short sale. I suppose if financing for over the appraisal amount is not an option, you would need to find a cash buyer to purchase the property. How many uneducated cash buyers are willing to pay $24k over current market value? None that I have ever worked with. I would say I am a very blessed and successful Realtor, but and I'm sure I would not be very successful if I was dishonest with buyers.

Ex #2 - Property in Lakeland FL, wood frame, nearly 100 yrs old. Same situation. Contract for $68k, BPO completed. Negotiator at bank stated value came in at $65k but Fannie Mae wants $98k and suggested we do a value dispute showing evidence via an appraisal. Once again, paid $400 for appraisal, I submitted a value dispute via Homepath.com. Appraisal came in at $65k ($3k lower than offer, home needing more repairs than expected). Fannie Mae did lower the price but only to $90k. They have NEVER viewed this property, but they came up with their own value. Why did they do a BPO and why did they ask us to dispute via evidence/appraisal?

There are many other Fannie Mae short sales that I am in the middle of disputing. Ex. short sale #3 appraised value $190k, Fannie Mae wants $225k, Ex. short sale #4 appraised value $139k, Fannie Mae wants $190k. Same story for each one.

A negotiator I have worked with at Seterus (this loan servicer specifically handles Fannie Mae loans) stated he is seeing most Fannie Mae short sales getting denied based on Fannie Mae requesting an unrealistic approved price that is ridiculously higher than appraised value. Another negotiator I've worked with at Chase, explained he is seeing the same thing with Fannie Mae short sales and he thinks it is because Fannie Mae is trying to foreclose to do the financing through Homepath and to get buyers to pay more. So it doesn't seem as if Fannie Mae is actually trying to help borrowers/sellers, but help themselves and inflate market values by getting buyers into homes that are overpriced and most likely couldn't get a loan to begin with.

Why even suggest to a homeowner/seller that a short sale may be an option for them if Fannie Mae is refusing to approve short sales based on appraised value? Why are we wasting time, money and getting sellers and buyers hopes up for nothing? Why not approve short sales price based on appraised value, but ask for a promissory note or cash contribution from seller as they have done in the past? Isn't it interesting that Fannie Mae forecloses on multiple homeowners, then offers Homepath financing to a new buyer on these foreclosed homes (aka REO/ Real Estate Owned).

With Homepath, NO APPRAISAL IS REQUIRED. That is simply having uneducated home buyers purchase homes that they will be seriously upside down in from the beginning. I suppose this means more short sale listings for me in the future when these buyers can't pay the mortgage in 2 years and can't sell because they are already upside down....thanks to Fannie Mae. I find this to be corrupt and we are setting this market up for yet another collapse (specifically Fannie Mae loans) in the future.

Credit reports show late payments and deed in lieu... We were told we would have a small drop in our credit scores. They were 850.. Now 700. We contacted Bank of America.. and they stated that they returned our last payment because we weren't late on our payments, and needed to be to complete this program. This was done after we had moved out. We have the documentation to show this entire process. They then sent us the case for keys.. because of them not reporting what they said they would we can no longer buy a home.

After getting out of the Army, my grandfather even went back to school to get his high school diploma. Around this time he met the love of his life, my grandmother, her name is Irene. She too has been a motivating factor in him being the best he can be. Together they had 3 children who now have children of their own, and those children have children. To each and every one of us, they are our heroes. When I say they, I am speaking of my grandparents, who taught us as a "unit" our most valuable life lessons. My grandfather, of course, always taking the role of the protector and provider. Even now at 86 years young, he is still that person to us all. But most importantly to my grandmother. You hardly ever see one without the other, I only hope to have that kind of special bond one day.

My grandfather and I are very close, actually he was more of a father to me because my own was not. As we were spending the day together, he spoke to me about some concerns he had. At his age, he knows he might have to leave this earthly world maybe a little sooner than later, but yet his first concern is my grandmother. You see, back in the 70s, the home he bought was in a nice, quiet, family style neighborhood. That neighborhood now has drastically changed. Still trying to make sure my grandmother was going to be "protected and provided" for, he asked me to help them find a new home. It has been an ongoing and lengthy process, but we found one to fit their needs. The home at ** Warner Robins, Georgia was a foreclosed home from Fannie Mae - HomePath homes. The listing agent is **, who in her "about me" section of her websites prides herself on being a Military Spouse of 20 years.

I really cannot fathom how a "military spouse" could mistreat and cheat a disabled Veteran the way she has. Like I stated before, my grandfather has always believed in "only take what you need" and "always share with others. I have learned that Veterans are entitled to many benefits for their service, but unlike some, my grandfather only "takes what he needs". A bid was placed on this home on this house on 10/12/12, accepted on 10/19/12. A contract was signed on 10/28/12 at which time my grandfather trustingly gave a $1000 check for earnest money towards the purchase of their new home. My grandfather chose to get a VA Loan using Bank of America. Everyone knows that there are special requirements regarding a VA Loan and they take a little more time to complete than others.

My grandfather has had to jump through "hoops and barrels" throughout this entire process during which, in doing his part to make sure that all the requirements he needed to be done were done so on time. ** of Century 21 has not. She has lied, procrastinated and dragged out what was supposed to be a happy event turning it into a nightmare, a total nightmare. There have been several addenda added to this contract. Before the appraisal, we even asked about the repairs that would be needed for a VA Appraiser to approve the home. She said not to worry, that it would be taken care of. After my grandfather paid $400 for an appraisal, and she received the results, she changed her tune. My grandfather was then given an addendum to sign that not only added more time but also that he was to give up the $1600 that Homepath was to pay for repairs, also adding $57 to the price of the home.

Mrs. ** was notified by BOA regarding when the repairs needed to be done to close on the home in a timely fashion. But yet she did not hold up her end of the contract. I have proof, pictures, emails of conversations between my grandfather's realtor and the listing agent as proof. I also have emails from ** at Bank of America, ** of Bank of America, as well as many other examples of how unjustly my grandfather is being treated. Because of the listing agent not holding up her part of this contract, once again, it was not going to close on time. The last addendum that my grandfather was given to sign was for only a few days and was not realistic with a time frame. The listing agent was emailed this concern, but yet showed no real concern. My grandfather's realtor pleaded with the listing agent on my grandfather's behalf. She told him, and I have copies of this, that Homepath would not do another addendum.

The one dated for closing on the 12/21/12 was the last, then the contract would be terminated. Had she done her job, this would have been completed long ago. Then just yesterday, I received a call from my grandfather's realtor saying that Homepath wanted to go ahead and terminate the contract, not even giving him until 12/21/12. She emailed him papers for my grandfather to sign. She also put on these papers that $500 in earnest money was to be returned to my grandfather (we have a copy of his $1000 check) minus the fact he would be out of $400 for the appraisal, $125 for the termite inspection, and all his time and effort. She said it was not her choice, but Homepath's. She is not being truthful. I have an email showing her having a conversation with my grandfather's realtor in which after he pleaded with her for a realistic amount of time, she forwarded him a response from a VP of Fannie Mae/Homepath that states my grandfather has until 12/21/12.

There is so much more to this that is not right. My grandfather has helped many all his life. So now I ask of you, could you now please help my grandfather not get "cheated," so inside himself, he will still be in his eyes my grandmother's hero? Thank you very much. Any guidance or advice would be greatly appreciated.

My wife and I attempted to purchase **, IL 60014 in September 2011 when it was bank owned by Fannie Mae. After putting in multiple offers for the house the seller was not willing to negotiate and we settled on a price of $187,000. After two months of getting every repair company and estimate lined up which took a lot of time the total repair bill for the house was over $40,000. We asked multiple times for the seller to cover a few of the costs (rotting wood surrounding the upstairs windows, broken garage door, mold in basement) the bank was unwilling to help with the repairs. We stated that after the inspection the repairs doubled and we were over budget. We agreed to pay all the repairs except the mold in the basement which cost $3,000. The bank refused to pay and we said the house is not worth $227,000. We showed them the other house less and a mile away that we were going to go buy for $215,000. After being involved in the Candlewood house for over two months working every day to get the repairs in line so we could close the bank lets us walk away. We told them multiple times that because of the repairs and that they would not negotiate with the house price they would not find another buyer willing to pay our offer price.

On 1/11/2012 the house was sold to another buyer for $133,480, which is a $53,520 loss. The bank let us walk over a $3,000 bill, which caused them to lose $53,520. This is a shame and a breakdown in the selling department. They refused to listen to their buyers and just said if you don't want the house leave. This was a complete waste of two months of my life and caused a lot of stress. I hope someone can address these issues and fix them for future Fannie Mae house buyers.

Neither BofA nor their third party servicer, AMS Servicing, LLC, have ever heard of this and will not do this. This is not part of the HAFA requirements. There is word on the internet that I am not the only one having this issue and that Chase is not following HAFA guidelines. I need someone from the executive offices to get on the ball with this situation. My short sale agreement expires on the 8th of January. I will be reporting this issue to the FTC, the California Attorney General and the Consumer Financial Protection Bureau if this isn't handled immediately. I have done everything that has been asked by both BofA and Chase. At the moment, Chase is the only one preventing this sale from going through and it needs to get fixed, please!

Received a letter on 12/7/2011 stating that Fannie Mae has started foreclosure proceedings even though after calling their credit counselor to go over options for us. They couldn't make an appointment with us until December 27th and our court paperwork says we have until January 16th to object. Why are people offering a glimmer of hope only to have it ripped away? I'm sick of the roller coaster ride from hell. Where is the help for these modifications? I may now lose my home because I was working with Seterus and NCCI for modification and not Fannie Mae to begin with.

I bought a foreclosed home that was priced at $60K. Probably half of what it really was worth not long ago. Everything went OK. But, at closing, suddenly the mortgage broker told me Aunt F** reneged, but I could still go ahead with the loan. At $466 a month. I was told also by every party, including the lady at USDA (for whom I only have praise. She helped me in every way she could), that I would get the $8,000 first time home buyer rebate.

Great! I could use that to fix my car, pay off all my bills, install kitchen appliances, and have the aging fence repaired. That would leave me with only my mortgage and utilities each month. Well, the $8L never arrived, and besides, I was later told that you only get the $8K if you bought a house over $80K, so I would only receive $6K. OK, go for it. Won't be able to repair dangerous deck or fence.

Then, 5 weeks after I submitted the tax rebate forms, I was told I would have to furnish the IRS a record of my last 5 years of insurance on my old home? Now, am waiting again, after further info was required; had to give them, all over again the name of every entity involved with the transaction.

Mortgage broker, Mortgage lender, name of USDA lady, Real estate lady, everything. Last I heard, I might get the rebate on January 18th. One other man who was involved with the same program, has been waiting 8 months! In the meantime, I have no kitchen appliances. Nothing to cook with. They will come out of the rebate. Not one thin dime will go for fripperies or luxuries. It all must go into this house. Also, guy who inspected this house for $250, notified us we would need to replace a few shingles on the back of the house.

less a month in income! And if I had known about that problem 6 months ago, I probably would not have qualified in the first place. Make no mistake. I love the new house, I just wish I had appliances! And that Aunt ** had kept her ** agreement!

One week after the contract was accepted, I started getting the inspections done. I managed to get the home and termite inspections done before I heard of this problem. Additionally, I have been looking for a home for the past 2 and half years with no luck. The property in question was the house that I wanted. Now, I don't have the property and have lost money due to this problem. I have not been successful in communicating with anyone at Fannie Mae or GMAC on this matter. I would like to know what I can do about this.

Rebecca worked hard and tried to get Fannie Mae to accept the offer, but they said we would have to vacate so they could list the property and then we could put in another offer. Bank of America took a few days and then decided to review the file to see if they would resend it. Once again, they said no! Why? We were qualified and had a really good offer in. They accepted before so why are they doing this to us?! We had a contract! What is a contract to buy a house good for if the bank can use excuses to get out! We have 5 kids and finally found a house that was great for us. It needs work, but we are willing to put in the effort. If there is any way that anyone can help, please let us know.

On this day, we found out that due to the loan officer being terminated, our application was in limbo, making us lose the land and construction procedure all together. We requested an immediate answer and all our application, credit report, documents to be sent overnight for review and shopping elsewhere for our mortgage. The answer over the phone was that due to a temporary medical leave of my work to have surgery, they were not going to honor the promotional offer of 100 financing. And they wanted us to reapply for this offer running our credits again.

We hold perfect credit scores and I denied their requests. I have still haven’t received our application package and our credit report so that I can reapply at another company for a mortgage. We have lost our land for construction due to this bad business, breach of contract, false advertisement company affiliated with Fannie Mae. No one has had the courtesy to communicate and honor our request. Please advise. Thank you.

We lost our home purchase and land opportunity. Need to rerun our credit and reapply at another mortgage company. The above company has not provided us with our request of paper documents and reasons not to honor the promotional offer. I was discriminated against my temporary medical disability in spite of my husband's income being more than sufficient for approval.