To Whom It May Concern
I am writing to express my concerns about my recent experiences with Lennar Mortgage and to seek assistance in addressing several issues I have encountered.
I initially applied for a Lennar mortgage for a new primary home in January 2024 due to challenges with my current home. Chase Wilson informed me that I couldn't purchase a new primary home because my current home was recently acquired. He explained that due to an internal rule at Lennar Mortgage, I needed to wait until April 2024 to reapply for a primary residence. Following his advice, I waited and reapplied in April 2024. Loan Officer Jennifer Cabrera processed my application, confirmed my qualification for primary home loan, and requested earnest money to lock the rate. I complied by sending the earnest money, and the sales representative even placed a "sold" sign in front of the house.
However, a few days later, Ms. Cabrera informed me that the underwriter had concerns about my January 2024 inquiry and no longer wanted to continue with the loan as a primary home. This was surprising, and I reached out to Mr. Wilson for clarification. He informed me that if I wanted to pursue a primary home loan, I would need to wait, otherwise, my application could only be processed as an investment loan. I reminded him of our previous conversation, but he maintained that my application could only proceed as an investment loan due to concerns about primary occupancy for my current home. Consequently, Ms. Cabrera provided a new closing sheet for an investment loan, which had a much higher interest rate and monthly payment, leading me to withdraw from the purchase.
Subsequently, I received a denial letter from Lennar Mortgage, which was puzzling because I had not been denied for an investment loan. The reasoning provided was inaccurate, as I had been informed I could finalize the loan as an investment property. This experience, coupled with the treatment I received, left me feeling discriminated against and frustrated.
After taking a break, my sales agent, Victor Adeoye, encouraged me to reapply with a new loan officer, Cesar Paisano. Despite a positive initial interaction, Mr. Paisano ignored my application for about 11 days. When I finally reached him, he informed me that my application had been denied because it was similar to my previous one. This response was disheartening, as Mr. Paisano seemed dismissive and uninterested in addressing my concerns.
Given these experiences, I feel that Lennar Mortgage has not provided adequate customer service and has treated me unfairly. The multiple credit inquiries have negatively impacted my credit score, and I am concerned about the implications for future home loan requests. I still have email correspondence with Chase Wilson, Jennifer Cabrera, and Cesar Paisano and am willing to provide this documentation if needed.
I hope that someone will review my case and investigate the treatment I received. I would appreciate guidance on how to proceed and ensure that no other customer faces a similar experience.
Thank you for your attention to this matter.
Best regards,
Murat Tigli
[protected]
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