Complaint / review text:
I received notice in invitation in writing in the mail for a $259.00 in closing costs from Third Federal Savings & Loan for a 10 year fixed rate Low Cost Morgage 2.89%/2.94% and 0 points. My loan was pre-prequalified for $50,100 (even though I only own $47,000 and I am paid until 9/1/14) with US Bank Home Mortage.
My appraisal done by Third Federal Savings & Loan came out to $300,000 single family home, in which I live since 1991. My credit rating is 793 even though I was a Victim of Identity Theft Fraud in April 2013 (I provided copy of MD Police Crime Report and I want the issue with the IRS in 2013 alone) and they are telling me that I do not have enough income to qualify. I receive $2,081 in SS Disability Income since 2013 and I also have $95,000 in checking account/money markets for 15 years that Third Federal Refuses to honor as part of my assets or income. I do not have a second equity on my home.
I would like to find an attorney since this qualifies for non-compliance of Truth -Lending Act based on Loan to Value Ration, Income and Credit Report. I am hispanic/professional woman and I was a Senior VP with a large regional bank until my brain tumor started giving me issues so I had a brain tumor removal @ John Hopkins Hospital and I can prove each one of the statements made in this note. I need to have legal representation and I know that I have an excellent case to win.
Thanks for your time and consideration. Susana Lacayo - [email protected]