This is a detailed Email from my Realtor : to the COE of XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX '' We have sent everything ( XXXX ) need to process the loan for XXXX XXXX XXXX, XXXX at least two weeks ago and we still do n't have a closing package at the Title company for the HUD and closing. 
This is a Fannie Mae loan and I have been telling everyone all along and especially over the last two weeks that we MUST HAVE THE FILE TO TITLE 48 HOURS BEFORE CLOSING. 
The file was complete Thursday, XXXX XXXX with corrections on name and ready for underwriter. I expected to see it arrive at the Title company and have a HUD done on Friday only to be informed by your local representative, XXXX XXXX, that nothing had been done yet but should be done by early week. 
I requested the file to be complete and sent to title on Monday so we could close on Wednesday. Your employee XXXX XXXX stated that " closing date is XXXX XXXX so the file will be there the XXXX ''. A FANNIE MAE LOAN NEEDS TO BE AT TITLE 48 HOURS BEFORE CLOSING!. 
I have talked with XXXX and he can not seem to get the file escalated enough to meet the deadline as of yet. WE have 2 hours to meet the deadline - see email from XXXX XXXX at XXXX XXXX. If it is not there by XXXX EST, we will not make the closing. 
My buyer has given extra time in planning his life ( we have moved the closing from XXXX/XXXX/15 to XXXX/XXXX/15 to XXXX/XXXX/15 ) but we have maxed out his time. He will be without a home XXXX if this does n't close on time ''. 

No one took the time to explain to me why we could n't close on each of the previous times listed. This has been a great waste of time and money for me. Now as of the XXXX of XXXX I will not have a place to call my own due to the fact that I picked XXXX as a lender for my XXXX loan. Overall this has been a awful experience. I am disappointed, angry and very unhappy. For more than a month, this has been happening. Thankfully, I have detailed email threads for proof and investigation by attorney. 

Hope this helps someone. 
Thanks XXXX. 
