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If you are in the $50k range for your loan amount, then these loans can be a bit screwy as they are easy to be associated with a high cost loan. This happens because many of the standard fee's you get on any loan are more dramatic to your loan because they become a greater percentage of your total loan amount whereas with a $100K loan amount it would be no bid deal. This could be what is causing the resistance, but for the broker not to be staight with you just demonstrates their lack of integrity. I would get your agent involved as she/he recommended the mortgage "pro". Sorry you got such a crappy rep. This should not be an issue as you sound like a solid borrower/buyer. All the best!
@Anthony Carr...Not a huge deal, but you might want to check your spelling. Unless, of course, it is some hyper-clever play-on-words that you're attempting.
Yes you can go above her manager if the manager was not helpful. Sounds like there is a lack of integrity with this company. The agent should have given you several references for lending options not just one. This brokerage obviously doesn't want return business because they have handled this transaction very poorly. So sorry to hear of this horrific experience. You can demand your appraisal you are being charged for it. You also can ask the seller for an extension and find another lender quickly. A local bank or a local lender with integrity. And concerning you interest rate she should have locked your interest rate in for you when you decided to move forward in this transaction. The interest rate shouldn't change unless she didn't lock it in or the loan lock has expired. I would highly recommend checking on this. Good luck with this transaction.
Complaining to a regulatory body won't fix your problem, but a good broker will. Find another broker.
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