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Businiess name:
Midsouth Bank
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Review by:
citysearch c.
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Review content:
So here’s my experience with MidSouth Bank in Murfreesboro home loans department. We sold our house to a buyer that was financing the loan through MidSouth. He had some issues but they did prequalify him but we all know that doesn’t mean much. Well, he was also applying for a grant for his down payment. MidSouth, obviously had all his credit history. Everything seemed to be going smooth until 2 days before closing they informed him his grant would not go through because of something in his credit history. They claimed at first that this was something new they were not aware of a change in the law. Turns out the change was not new, it was 2 years old. Of course we were led to believe everything was fine. The closing was schedule was confirmed the week prior so we really started packing up, it was time for us to move. We had picked out a really nice house after looking at a considerable amount and got a really good deal on the house. We paid for the appraisal and the loan application, got our finances together and were really really excited. On Tuesday, we started calling to switch utilities over to the new house, scheduled cable companies, even drove by the new schools with my wife, 13 year old and 9 year old. We were ready for the new chapter of our lives and we were putting in the work. We had a busy week that week with activities for both kids but we managed to pack up everything that wasn’t a necessity for the next 3 days. Dishes, clothes, closets, games, movies, etc. We, despite the busy schedule, were all ready to load the moving truck the next day. Then we get the call, the buyer didn’t get the financing he was told he could get through MidSouth Bank. They had not done their homework, and it was just now coming to light. They were unaware the law had changed 2 years ago. So now, we’re going to lose the house we had the offer on, lose the $500 we had paid for the appraisal, and we have to now unpack everything we need and get our house ready to put back on the market. All because MidSouth was unaware a lending law had changed 2 years prior.
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