Business ProfileforLow VA Rates

In 2020 we learned Lender, Low VA Rates, failed, in 2017, due diligence in refinancing a property debt of a home loan originated by Lender fraud - failed duty. Lender admitted not reviewing the underlying appraisal for accuracy or legal compliance of the manufactured home structure on the property. Had it done so, the fraud would have been discovered and the increased debt would not exist. In 2020 we discovered the HUD certification labels missing from the exterior of the manufactured home structure is due to the Labels officially removed after the structure was wrecked in transit and the ‘home’ was then decertified, not legally HUD compliant and not VA financeable. Lender had a fiduciary duty to Veteran to assure legal compliance for the refinanced, increased debt. Prior lender agent, w/ Eagle Home Mtg., (a Lennar Mtg. co.) admits the loan could not legally close without HUD certification in a VA home property loan. In 2020 we reached out to Fleetwood Homes which informed us the structure no longer legally exists. We obtained an IBTS letter confirming the decertified character. Lender, Low VA Rates, has been non-cooperative to resolve the of fraud by misrepresentation - failed professional and fiduciary duty. Fraud statute of limitation is 3 years from discovery – which was Sept. 2020. VA confirmed Lenders are to obtain HUD certification for a manufactured home on the property. Here, Lender failure concealed the underlying fraudulent incurred debt of the property upon Veteran. Real Estate industry have informed us that our property value is "land only", that the decertified, for salvage use, manufactured structure holds no value, and the remedy is removal and replacement. A home property is the most expensive single item purchase the average person ever makes in their lifetime. Fraud cheapens, and ultimately destroys everything it touches. Lender to Either: 1) prove 2017 HUD certification was obtained, or, 2) arrange with Veteran to remove illegal debt imposed.