Hartford Funding Ltd. Avis 2

Terrible! We contacted Antonio Bocchetti who is a broker for this company 2 years before we were ready to buy a house and notified him of our unique situation. He assured us he would be able to write a mortgage for us considering we have a very large down payment. We found a house and he told us to go ahead and pay for the inspection $500 which we lost, and to go ahead put a $5000 deposit on it. We did and he played games with us changing numbers, asking an exorbitant down payment price, asking for documents we told him we didn’t have at the last minute . In the end, we did NOT obtain the mortgage, lost the house, all due to his incompetence. They make promises they can’t keep. My house is sold and now we have to find a rental very fast. Horrible. Don’t use this company. Find someplace else!!!

It all started in the summer of 2021. I was referred to Harford Funding. I began submitting documents. We found a home in October, and wanted to pay cash. We decided to go through *** for a mortgage in November of 2021 instead. The sellers gave us an extension for December 2, 2021. We put down $5000 for a deposit to buy the home. The entire month of November *** had all of our documents, and never submitted them to the underwriting. My realtor ******* ended up getting in touch with ***'s boss, in order to get things expedited. Now everything ends up being submitted to the underwriters!!!! *** was upset. Got another extension from the sellers. The sellers agreed only with another $5000, and we had to agree to forfeit the deposit if the loan didn't go through. I ONLY agreed due to the fact that both *** and the boss insisted that we would get the loan. *** emailed us a closing disclosure within days of the final closing date of February 4, 2022.Then at the last minute we couldn't close due to the investors' guidelines regarding a previous foreclosure. It was included in my bankruptcy, due to a nasty divorce. Hartford knew about this in December of 2021. In order to get our $10000 deposit back that we lost the boss told me that I should put a lien against the property. I sent the sellers several letters to ask for the money back, to no avail. My lawyer said I can't put a lien on the house. Coincidentally on February 10, 2022 *** sent us another pre-approval letter for more money than approved for before, after it was too late to close. He had found a new investor that would approve us, and he asked that I not involve his boss. Once again, no loan. Then again in May of 2022 *** again sent us a new pre-approval letter. We kept looking until the end of the summer of 2022 Why keep sending pre-approvals if the foreclosure was such a big deal????? They are not competent!!!! Steer clear!!!!! My advice to them is to be transparent at all times. Move at a quicker pace. NY is one of the few states that take 6 months to close!!! Most important. Don't let people put up nonrefundable deposits if you're going to cause them to lose their money........