Worked with a Mortgage Broker for New Penn Financial to finance a home through FHA since XX/XX/XXXX. Received a pre-approval letter XX/XX/XXXX contingent on credit, income verification and proof of closing funds. Found a home and entered into contract XX/XX/XXXX with an extension to close on XX/XX/XXXX per Seller 's request. On XX/XX/XXXX, after being on three weeks of leave the Mortgage broker states HUD declined application because I was never qualified to begin with. Lost Escrow Down Payment because Mortgage Broker failed to furnish commitment letter/Loan Approval within 30 days of contract. Lost Home Inspection and Appraisal as I never would have paid for these contracts had I known I was not qualified. I was promoted XXXX officially XX/XX/XXXX which is less than one year requirement for income data. Per mortgage broker HUD stated they would have made a 6 month XXXX s ) exception therefore it was no surprise of my financial situation. I had everything on track to close even saving twice the closing cost only to find out I was never qualified. I sent a certified letter requesting reimbursement of money lost and have yet to receive acknowledgement of receipt of letter. Please help. 
