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Nvr Mortgage Finance - Nine months later and no home

My name is Ruth Exilasse I am married with two kids, a son, and a daughter. My children are three and two years old. Currently, we are living in a hotel waiting for our home to be built. In October 2016 we went to Ryan Homes in Haines City Florida. They put on a beautiful display showing us a beautiful home. We fell in love with the home on display and wanted to see if they could help us. Karim and David were there the first days that we went and everything was great. They said we were approved and that we qualified for the home we loved which was 1922. We put down an initial deposit but within a few days received a call from Karim stating that he could not get us approved for the 1922 home but got us preapproved for the 1722 home. We weren't 100% happy with that but we thought let's continue because we did not really like our current living situation. We continued over the few months answering demands putting down more deposits. Being told one story to another. Nine months later we are still living in a hotel and have no home to rest our head. I have requested from Ryan homes serval times over the past four months to just return to us our deposit so that we can look elsewhere. They refuse and accused us of being inpatient. We were promised that this would take 4-6 months and now it is nine months. They never address any changes to us via mail or email. It is always over the phone. The real estate agent always knows everything before we do and the closing date is always being changed. We were told that if we try to back out now that it will be an uphill battle and we can forget about our deposit. I am a teacher, who works at a title one school. I graduated college December 2014 with a sole purpose of giving my family a better life. My husband works hourly and does not make much. It is very difficult raising a family of four on 20,000. I have had four jobs since 2014 but only one was a Salary Job. My last employment closed due to funding and I was forced to leave. I am currently working for Polk County, a job that I love and believe I will be there for a long time. I never thought when I gave my deposit that I would lose it just like that. I never thought that I would still be fighting for a house nine months later. I have emails stating that our closing was on the ninth, today we had a walk through but no one called to confirm any dates. This company is very shady in their dealings and all I want to do is to close on my home and if it is impossible then to be refunded our deposit. I believe that Ryan Home is going to continue to push back the closing date and will never close with us like they have been promising for the past nine months. Haven't we waited long enough or is my intuition right about this company?
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#1057346 Review #1057346 is a subjective opinion of poster.
Brentwood, Tennessee
Ryan Homes House Construction
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Deliver product or service ordered