Foundation Mortgage Richard Malman kept had me pay for services when I was already denied a house loan. Boca Raton Florida

#1 I was not fired from the job in question. In addition, the first thing I provided to you was my JOB HISTORY.  You keep mentioning I change jobs as you change your underwear. I work in the auto business and I follow where the work is which is completely normal in my field of employment. I have always been employed and you were well aware of that fact when you took my money!

On June 6,2013, Richard Malman with Foundation Mortgage received the notice saying that my previous employer lied and said I was fired.! Richard had me pay for an $520.00  appraisal on 6-08-2013 (2 days) after knowing the bad reference that a employer had left for me which had sour grapes. Richard Malman had from June 6,2013 to July to ask about this bad reference. He never mentioned it instead he made me get an appraisal and wind mitigation all while knowing this bad reference which could possibly deny my loan. I was unable to defend myself bcause I was never aware of this bad reference becuase if his secrecy. Richard asked for a job reference which is just an opinion of a previous employer. Yet on July 11th almost a month later my rate was allegedly locked in because I believed I was receiving a loan. He led me to believe I was receiving a loan.

Mimi Roy with S.E Title company got me an addendum on July 6,2013 which cost $1000. I never received the $1000 back based on the information Malman gave me and the title company that I would recieving a loan. He led me to believe that I would receive the loan which in turn made the title company believe that I would recieve the loan. The title company made an addendum which was $1000. One thousand dollars of my money was non refundable as the owner of the house also believed I would be recieving the loan and continued after the closing date to add an extension. Had Richard Malman not lied up until the day before the closing I would have never had my money put in jeopardy. Because of RICHARD MALMAN'S underhandedness and deceit that I agreed to go into that contract because he was leading everyone to believe I would receive the loan.

Had Malman notified me when he has received the paperwork at the beginning of this loan of the mix up with my past employer and said this may put my loan in jeapoardy. I would have never agreed to pay for an appraisal, wind mitigation, and an extension. MALMAN received my work history the very first day we started the loan!!!!!!!! The first question I was asked was the work history yet I was denyed a loan based on the first thing he asked of me.

Richard Malman lied and had not communicated or told the truth. He kept the truth from me and the title company. He never spoke the truth until there was government intervention. Even after I asked for specifics after I had already been told by the title company that I would not recieve the loan he still lied and said "my past employer had not nice things to say about me".  The only way to have Richard say the truth was through government intervention. Altogether, I had $1620 taken from me for a loan I would never get but believed I would get the whole time up until the day of the closing!!!!!!!!Lastly, he didn't even have the courage to tell me I had not recieved the loan. The title company called me to tell me this information.

Richard Malman, withholds information to manipulate and withholds information from the client so he can spread the money around to the people in the indusrty.along with his underwriter Lourdes Ortiz. A underwriters job is to pre qualify loan applicants and she was not capable of writing down basic information. She is either dyslexic and a racist. The first information she should have looked at was my job history yet I was denyed a loan on the very first information provided to her. She wasn't capable of writing down my employers or my other properties addresses correctly causing me to have a fraud guard put on my loan. The bank was not able to find a porperty I have because of Lourdes missplelling the address. This fraud could not be taken off once it had been put on my loan. The same occurence happened with my job. She entered information wrong on my work address which caused more problems on my loan becuase my employer could not be found. This added an additonal fraud guard to my loan. Becuase of their incompetance I was alleged to be fraudulent which is a very serious charge!

 Number one if the the customer told me he had been fired from his job he would have been denied much sooner.  We did everthing possible to get his loan approved, but the underwriter felt that his employment was too risky due to the fact he had change jobs 5 or 6 times in the past 2 years and we received negative empolyment reports from his employers.  The only charges he incurred were payed to an apprasail company and of course we had every intention of getting him his loan.  If we don't close on the loan, we don't get paid