Mortgage -- Applying for a mortgage or refinancing an existing mortgage -- Complaint #15807203
Complaint Overview
Complaint ID: 15807203
Company: Dhi Mortgage Company
Product: Mortgage
Sub-Product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-Issue: Changes in loan terms during the application process
State: Texas
ZIP Code: 78253
Date Received: 2025-09-08T12:00:00-05:00
Date Sent to Company: 2025-09-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint against DHI Mortgage ( DHIM ) for mishandling my household income documentation, providing inconsistent guidance, and causing financial harm during the mortgage application process for our FHA loan. I submitted all required documentation of my husbands XXXX XXXX XXXX ( XXXX ) income in accordance with FHA guidelines. DHIM initially indicated that XXXX income could be considered if properly documented. I provided the documentation promptly. Despite this, DHIM excluded XXXX income from our qualifying income during loan evaluation. As a result, we were forced to pay off substantial debt to qualify for DHIM loan incentives, which would likely not have been necessary if XXXX income had been properly considered. In XXXX official response letter to my XXXX complaint, they later stated they would use partial XXXX income with proper documentation, even though I had already provided all necessary documentation. DHIM also states that as of XX/XX/year>, it stopped allowing XXXX income on FHA loans based on an alleged audit or communication with HUD. Our loan application was submitted in XX/XX/year>, XXXX months after DHIM states it implemented a policy prohibiting the use of XXXX income on FHA loans. This is negligence on behalf of the loan originator. There was no mention of an internal policy prohibiting XXXX income at any point during the early stages of the loan.I relied on this professional guidance in good faith, assuming that all submitted income sources were acceptable under both FHA and DHIM criteria. Our mortgage has since closed without XXXX income being factored, resulting in financial harm due to unnecessary debt repayment and lost incentives. In order to qualify and receive builder incentives.
Frequently Asked Questions
What is Complaint #15807203 about?
Complaint #15807203 was filed against Dhi Mortgage Company regarding Mortgage specifically about Applying for a mortgage or refinancing an existing mortgage. It was received by the CFPB on 2025-09-08T12:00:00-05:00.
How did Dhi Mortgage Company respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against Dhi Mortgage Company?
Yes, visit the Dhi Mortgage Company company profile at readthecomplaint.com/company/dhi-mortgage-company to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.