Negative Reference for Mortgage Application

UPDATED: Sep 30, 2022

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Negative Reference for Mortgage Application

A current employer initially refuses to complete the employer verification form requested by the mortgage company for his employee. Initially, he insisted to the employee and the mortgage assessor that he already gave all the information to the mortgage company. He even said that he has done and submitted a verification form for his other employees before he had no problem with the previous mortgage companies. After a month and several requests, the employer sent a complete verification form to the mortgage company. However, the employer stated in the part of the question about the probability of continued employment

Asked on April 12, 2017 under Employment Labor Law, Georgia


M.D., Member, California and New York Bar / FreeAdvice Contributing Attorney

Answered 5 years ago | Contributor

No, it is not. First of all, an employer is under no duty to fill out such a form. To the extent that it does fill out one out, they are free to put down what they believe to be true at the time. Therefore, if your employer felt that your probability of continued employment was not good or "low", then it violated no law in stating that on the form. If you think that your empoyer lied on the form because it was annoyed with you, there really is no way to porve that. Even if you could, your cause of action would be limited.

IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.

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