Complaints

This profile includes complaints for National Home Buyers Alliance's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  National Home Buyers Alliance

  15482 College Blvd Lenexa, KS 66219-1352

• 

  National Home Buyers Alliance

  2900 Chamblee Tucker Rd #15-101 Atlanta, GA 30341

• 

  National Home Buyers Alliance

  11551 Forest Central Drive #132 Dallas, TX 75243

• 

  National Home Buyers Alliance

  8420 Delmar Saint Louis, MO 63124

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:03/14/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Dear Better Business Bureau, I am filing a formal complaint against the National Homebuyers Alliance (NHA) for failing to fulfill their promised services despite my full compliance and payment. In 2017, I contacted NHA for assistance in improving my credit and securing a home. I provided all requested documents, including tax returns and bank statements. Recently, I submitted my 2023 tax return and a copy of my ID as per their request. However, my documents were returned as undeliverable. I was then given a different address in Kansas to resend them, only to have the documents returned again. After multiple attempts and repeated assurances from NHA, my documents continued to be undeliverable. Throughout this process, I made payments totaling $3,200 in installments through my bank, as required by NHA. They had assured me they would assist with closing costs and informed me that the property I purchased needed to be from a private owner. Despite my continued efforts to contact them, NHA eventually stopped answering my calls, leaving me without the promised assistance or any means of recourse. I believe this company has engaged in deceptive business practices by accepting my payments and failing to deliver the agreed-upon services. I request that NHA either fulfill their obligations or issue a full refund. Additionally, I urge the BBB to investigate this matter to prevent others from experiencing similar issues. Thank you for your time and assistance. Sincerely, ******* *********

  Business Response

  Date: 03/19/2025

  Our records indicate that **** ********** account has been in suspended status since May of 2024.  It would appear as though NHBA staff attempted to contact **** ********* for several months preceding her file being administratively suspended.  In August and September of 2024 **** ********* was advised on what she needed to do to bring her file back current and was provided options for emailing, faxing, or mailing in the requested documents.  In December of 2024 **** ********* contacted NHBA to say that she mailed the documents certified, this was the last NHBA heard from **** ********* until she filed this complaint.  NHBA did relocate in March of 2024 and has been receiving mail at our new address.  If **** ********* wished to resume her participation all she has to do is contact us and provide the requested information.

• Initial Complaint

  Date:01/24/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  May of 2024 I contacted NHBA to see if they could help me with buying a house. I paid $100 for the application and I was approved. I was told I would get down payment assistance and someone would be helping me through the entire process, which didn’t happen. And through the entire process I never heard from them other than automatic deduction from my account for $347 a month. So basically they got me in contact with a loan officer and a real estate agent for $347 a month for a year. And no other assistant was provided. And I think that’s a rip off.

  Business Response

  Date: 02/04/2025

  Specifically, ***** claims he contacted NHBA in May of 2024, after applying he was told he would get down payment assistance and that someone would be helping him through the process both of which never happened and that we only contacted him when we wanted to get paid.  I am attaching all the notes from *****’s participation in the program as reference to his complaint. 
  From these notes you will find a few things contradictory to *****’s complaint.  First, being that from April through July *** ******* was never contacted regarding payments, it was only after he closed on his home and his payments began declining that he was contacted about them. Second, he did receive someone to walk him through the process and NHBA provided all the services as outlined in the agreement, in fact Mr, ******* never cited a specific breach of our agreement.  Lastly, and possibly the most important thing you will read in the notes is an email from *** *******’s mortgage lender where he praises the agent who assisted *** ******* and who was able to negotiate a reduced sales price on a new home and get seller’s contributions for closing all of which saved *** ******* $26,000 on the purchase of his home.
  I find important to note that *** ******* not only registered a BBB complaint about NHBA but he also left a negative review about his mortgage lender who reduced their fees as a favor to NHBA which saved *** ******* money.  ***** also complained about his realtor who took on the task of negotiating on a new home knowing full well he would make less money as an agent and still saved *** ******* a ton of money.  Bottom line is, NHBA provided every service to ***** as outlined in our agreement, the outside agencies associated with NHBA who serviced *** ******* went above and beyond in providing their services.  *** ******* is just a complainer, plain and simple.
  04/08/24 Assigned to myself.  Set up file and put together.  Went through application and created list of documents needed and things to talk about with credit.  Created client folder.  Saved 1003 to go over with him.  Emailed welcome letter. ****
  
  04/09/24 Documents received for lender review via email.  Have W-2s or else just need to go over 1003. ****
  DL
  Navy Federal Credit Union statement March 11, 2024
  Wells Fargo Statement April 5, 2024
  2023 federal tax return
  2022 federal tax return (did not print, saved in client folder)
  2 pay stubs Dart dated 04/04/24 and 03/21/24
  SL balance (did not print, saved in client folder)
  From: ***** *******
  Sent: Monday, April 8, 2024 5:31 PM
  To: ******** **********
  Subject: ************
  ****
  04/09/24 Introduction.  Explained welcome letter.  Let him know documents received and asked for W-2s.  Asked to go over 1003.  Left a message. **** I called ***** on his cell ************, and left a message.  I introduced myself as his case manager and gave my direct number.  I explained the welcome letter that he received and let him know that I received the documents he emailed and have them added to his file.  I asked if he still has 2023 w-2s.  I said that I also wanted to go through his intial lender review information and then we can get everything to the lender who will review the file to give us the plan for him to get approved and out house shopping.  I gave my name and direct number again. ****
  04/09/24 Went over 1003.  Has 5-6 CCs- use for scores.  No more credit.  CS on pay stubs.  Has $100K in 401K.  Will be sending 2023 W-2 and SS card.  Updated his email preference.  Ready for lender review.  ****  ***** called and we went over his 1003.  He told me his preferred email and I updated it.  He has 5 or 6 CCs.  I went over using them solely for his scores.  We talked about the lender review and that I'll email that information to him as well and he said that he appreciated that and would still forward the remaining documents to me. ****
  04/09/24 Sending for lender review. ****
  From: ******** **********
  Sent: Tuesday, April 9, 2024 2:48 PM
  To: ***** *******
  Subject: NHBA 
  Hi *****, 
  It was great speaking with you on the phone. I received the documents you attached, have them added to your file, and sent your file to the lender.  Your file will be evaluated at the mortgage level to give us the blueprint to let us know where things are at and what exactly needs done to get you a loan approval and out house shopping.  The lender’s name is *** with *** ******** ********  Once the evaluation is complete, I’ll review everything with you. Please allow about 10-15 business days for this evaluation.  Have a great day!
  ****
  04/09/24 Forwarded file to *** for lender review. ****
  From: ******** **********
  Sent: Tuesday, April 9, 2024 2:52 PM
  To: **** *************
  Subject: Lender Review for ***** ******* 
  Hey! 
  ***** is pronounced Mah Joe
  ****
  04/10/24 Received SS card and 2023 W-2 for Dart via email.  Added to file. ****
  From: ***** *******
  Sent: Tuesday, April 9, 2024 4:59 PM
  To: ******** **********
  Subject: Social Security Card/2023 W-2
  From: ******** **********
  Sent: Wednesday, April 10, 2024 9:02 AM
  To: '***** *******'
  Subject: RE: Social Security Card/2023 W-2 
  Received.  Thank you!
  ****
  05/07/24 Forwarded his email to *** for an update on lender review. ****
  From: ***** *******
  Sent: Monday, May 6, 2024 6:16 PM
  To: ******** **********
  Subject: Re: NHBA 
  Good evening ********* 
  I’m reaching out to see if there has been any updates on my status? And what’s next for my process?
  From: ******** **********
  Sent: Tuesday, May 7, 2024 8:54 AM
  To: '***** *******'
  Subject: RE: NHBA 
  Good morning!  I will follow up with the lender for a status update on your review. 
  ****
  05/08/24 ***** sent me a screenshot of his potential loan amount with *** at $266K.  ****
  05/10/24 Emailed *** to ask if he is approved or update on lender review. ****
  From: ***** *******
  Sent: Friday, May 10, 2024 12:34 PM
  To: ******** **********
  Subject: Re: NHBA 
  Good afternoon! 
  I spoke with the lender. Have you touched base with him? I’m pre-approved, and I want to know what’s next with the process? 
  Thanks,
  ***** ******* 
  ****
  05/14/24 *** said that he'll get me the approval today.  Returned *****'s call and spoke with him.  Let him know that the lender is going to get me the approval today so that we can get him connected with a realtor.  I said that I'll be in touch and he said that he appreciated the returned phone call. ****
  5/25/24  Entered debit card payment plan for 12 payments of $346.15 beginning 5/25/24. --sah
  05/28/24 Reached out to *** and requested an update on if he is approved of if he can send me his lender review. ****  
  05/28/24 $300K approval from ***.  Printed approval and PITI breakdown.  Forwarded to uppers.  Ready to get D&D sent to him. ****
  From: *** ************
  Sent: Tuesday, May 28, 2024 12:27 PM
  To: ***** *******
  Cc: ******** **********; *** ************
  Subject: Updated Pre-Approval 
  Hi *****, 
  Thank you for taking my call today.
  ***** will be sending an email to you shortly requesting the following: 
  Confirmation that all loans are included in the IDR payment plan from Nelnet, please send documentation that all loans are included.
  401K – please provide your last statement. 
  I have attached a copy of your pre-approval, please see payment below.
  ****
  05/28/24 Put together D&D and emailed to *****. ****
  From: ******** **********
  Sent: Tuesday, May 28, 2024 12:57 PM
  To: ***** *******
  Subject: Do's & Don'ts of Homebuying 
  Hi *****, 
  Congratulations on getting approved for your home loan.  Attached, you’ll find the Do’s & Don’ts of Homebuying (D&D).  Please read through the document, fill in the blank with the maximum monthly mortgage payment you’re comfortable with, and sign/date the bottom of all pages.  Once returned to me, the realtor department will get you connected with your realtor.  Please reach out with any questions that you might have.  I will be in touch soon!
  ****
  05/30/24 Received signed D&D from ***** via email.  Responded it was received and with his realtor information. ****
  From: ***** *******
  Sent: Wednesday, May 29, 2024 6:03 PM
  To: ******** **********
  Subject: Re: Do's & Don'ts of Homebuying
  From: ******** **********
  Sent: Thursday, May 30, 2024 9:29 AM
  To: '***** *******'
  Subject: RE: Do's & Don'ts of Homebuying 
  Good morning! 
  I received your signed D&D.  The realtor department is getting you assigned with ****** as your realtor.  Here is his contact information.  He’ll be reaching out to you very soon.  Have a wonderful day! 
  ****** Lee
  ****
  05/30/24 Assigned to ******. ****
  From: ******** **********
  Sent: Thursday, May 30, 2024 9:27 AM
  To: ****** *** *** ******* **** * **** ****
  Subject: New Referral! ***** *******
  Importance: High 
  He is interested in buying his home in Dallas County, Collin county, or Kaufman County.
  ****
  06/12/24 Explain helping with closing costs.  He is connected with ******.  Reminded to maintain credit, keep utilization small, keep things paid on time, and no new credit.  **** I called ***** on his cell, ************, and spoke with him.  He said that he was connected with ****** and wanted to understand what NHBA helps with.  We spoke about closing costs.  I reminded to maintain his CCs, keep utilization small, keep payments on time, and don't take out any new credit.  I said to reach out if he needs anything and that I'll be in touch again soon. ****
  07/01/24 Reminded to keep CC balances small, payments on time, no new credit throughout shopping/closing. ****
  I text:  Good afternoon.  I hope you're doing well.  As a reminder, keep your credit cards in good standing and their utilization small.  Keep all reporting accounts paid on time and don't take out any new credit.  You'll want to do this throughout your whole shopping process through closing on your home.  Please let me know if you have any questions or updates.  Have a wonderful day!
  ****
  07/24/24 ****** (realtor) said that ***** is closing this week. ****
  08/01/24 Emailed *** requesting CD. ****
  08/01/24 Received CD from ***.  Added to file. ****
  From: *** ************
  Sent: Friday, July 26, 2024 11:39 AM
  To: ******** **********; ***** *********** **** ***** ******* ****
  Cc: ******; *** ************
  Subject: ***** ******* 
  NHBA Team,
  I cannot ignore sending this email to let everyone know what a great job ****** did for ***** *******.
  Many agents would not have suggested new construction due to the reduced comp, that did not stop ****** from showing ***** this Lennar home. 
  Additionally, he was able to negotiate a 20k price reduction as well as $6,000 in seller paid closing cost. 
  Great job ******, would love it if you could be cloned and replace many other agents in today’s real estate market.
  ****
  8/27/24  8/25/24 debit card payment declined. --sah
  8/27/24  Left a message asking ***** to call me back. --sah 
  9/4/24  Left a message asking ***** to call me back. --sah

• Initial Complaint

  Date:05/11/2022

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I went to national homebuyers, for help purchasing a home and I was told I was Pre-approved, I paid the required money they wanted to be in the program, I didnt need any help with my credit, they took my money and alls I got was a phone call maybe once a month telling to to keep my credits cards down, I did everything they askd of me with nothing in return, I worked with this company for over four years and still nothing, so i gave up. But I should be refunded my money this company is taken peoples money and get nothing in return, I think a class action lawsuit should happen, and they still on the radio telling lies to the community.

  Business Response

  Date: 05/11/2022

  Specifically, ******* complaint contends that she was told she was preapproved, that she didn’t need any help with her credit, that all she received was a phone call once a month telling her to keep her credit cards down, and that she did everything that was asked of her and received nothing in return.
  

  On January 26, 2019, a comprehensive mortgage evaluation was completed outlining ******* financing options with both FHA and Conventional loan products.  For *****, she needed to reduce the usage of her credit cards and pay down the balances for her scores to rise to the point where they needed to be to receive financing.
  

  On August 26, 2020, credit was pulled after ***** indicated she had completed the work necessary and was ready for loan submission.  After pulling a new report on ***** it was discovered her two credit cards were within a few dollars from being maxed out and there was new derogatory credit activity causing her scores to drop to the mid 500’s.
  

  NHBA began a new plan or a new old plan of advising ***** to pay down her credit cards and to keep them paid down, we also started exploring the options for contacting and settling the new collection to distance herself from the most recent derogatory mark on her credit.  Unfortunately, in February of 2022 her file was suspended after six months of NHBA emailing and leaving messages and not hearing back from *****.
  

  While it is unfortunate that ***** did not finish the program and buy a home, I find it hard to substantiate her claims of having done everything that was asked of her sans keeping her credit card balances low.  Additionally, I have counted the interactions or attempted interactions with ***** whether by phone or email and have found it to be around every 7 days which happens to be more frequent than once a month as she claims.
  

  As always NHBA stands ready to finish the agreement we have with ***** should she choose to do the work necessary and see this whole process through.

  Customer Answer

  Date: 05/11/2022

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Regards,
  ***** *******