The above mortgage company, in my opinion misrepresented and unstated the good faith estimate in the following manner:
1. Their originating fees went up three tenth of a point thus increasing their fee $951.00
a. There reason was due to Fannie Mae, requiring them to raise the point spread.
2. There calculation on doc stamps were grossly misstated
3.insurance cost was also exaggerated. See attached copies.
4. They stated my appraisal came in at 328K, then they stated 315K, this in turn raised my LTV and a higher rate was being charged.
My final request was that they refund my appraisal fee, because of there last minute disclosures, I understand that I am suppose to have the HUD at least 24 hours before closing, we I received it two hours before closing.
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