AHC Lending Texas AKA ahclending.com Most Difficult and Frustrating Lender I've Ever Dealt With Irving, Texas

I purchased a home for my son, as he had to short sale his previous home and was not eligible for a mortgage. My son selected ACH Lending based on a recommendation from colleagues at his new employer- big mistake. This is not a mortgage bank. I wish I had dealt with my own bank or credit union. This turned out to be the most frustrating and difficult mortgage process I have ever encountered, and I have participated in more than 20 personal or business real estate transactions. While the loan officer was very polite, dealing with him was extremely difficult.  At least he could speak English.  I had to resubmit the same documents several times. Every delay, on their part, resulted in a new round of updated forms. We had to explain where every penny for the downpayment came from.  Finally we had to quit making any deposits into our account as AHC would then request additional documents and statements to "prove that we weren't borrowing money to make the down payment".  We signed the documents electronically (We live in the Seattle area, and AHC is in the Dallas area) as is current industry standard, but AHC then made us sign an additional set with original signatures, 157 pages worth.  We notarized all the forms required, but because some of the forms were two-sided, we were then required to file a complete new set with another notary (at least 15 forms needed to be notarized).  Throughout the process, AHC kept asking for additional documents and things they needed and that list never stopped growing or changing. They increased rates and fees during the process. I don't know if they are imcompetent or what. Its amazing to me they can stay in business.  All of this continued up until the closing date and 3 days past closing, with them threating to pull the mortgage and the locked in rate if the additional documents weren't resubmitted as demanded.  I would never, ever, recommend this firm. Not even to my worst enemy.