SWE Homes review: This is not a real estate company, they are an investment company who takes advantage of disadvantaged people

I am submitting this complaint to report what I believe to be unfair, deceptive, and potentially illegal business practices by SWE Homes, a real estate and seller-financing company operating in Houston, Texas.
SWE Homes charges all customers a uniform interest rate of 11.99%, regardless of credit profile or transaction type. Under Texas law, interest rates above legal limits may constitute usury, and this rate appears to exceed what is permissible for many seller-financed transactions. Despite this, SWE Homes applies the same rate across its customer base without proper disclosure or justification.
The majority of SWE Homes’ customers appear to be low-income individuals, people with poor or limited credit histories, and undocumented individuals, making them particularly vulnerable to predatory lending practices. Many customers are unaware of their rights under Texas law or are afraid to file complaints due to fear of retaliation or immigration-related concerns.
In addition to the excessive interest rate, SWE Homes engages in the following practices:
• Charging outrageous late fees of $100, even for minor or disputed delays
• Charging a monthly “service fee” to service the account, which is not clearly explained or justified
• Adding insurance charges to customer accounts without providing:
o The name of the insurance company
o Policy documentation
o Proof of coverage
• Making it intentionally difficult for customers to make timely payments, including:
o Refusing to accept electronic payments
o Claiming auto-drafted payments were “late” in order to impose late fees
o Closing offices early or locking gates near the end of the month, preventing customers from making in-person payments
These actions appear designed to generate additional fees and penalties rather than facilitate compliance by customers. Customers are not informed that they can file complaints with the Texas Office of Consumer Credit Commissioner, nor are they made aware that the interest rate being charged may be illegal under Texas law.
I respectfully request that your office investigate SWE Homes for:
• Potential violations of Texas usury laws
• Deceptive and unfair trade practices
• Failure to provide required disclosures
• Predatory lending practices targeting vulnerable populations