Something fishy-can my mortgage broker relock me without a signature?This was the only GFE and rate that was ever disclosed to me and that I agreed to, showed a 9,835 origination charge and a credit of $7790.19. Before the rate lock expired I inquired as to how changing closing date (not my fault) would affect the interest rate and the fees, no response was ever given. I inquired again, the day after the rate lock ended. My email was returned on Dec 2 and was told mortgage broker would be available to talk that weekend. My call was returned and I was told that I had been relocked at the same rate. No new GFE was provided to me, nor was it disclosed that any of the closing credits had changed. However, at closing, a reduced credit of $7,321.13 was indicated, instead of the original $7790.19 ($7790.19 credit versus a $7321.13 credit difference of $469.06). I had my mortgage broker on the phone, who blamed the lender for this change and called the lender and they blamed the mortgage broker. I asked the mortgage broker to refund me the difference of $469 and she agreed, however it has been a month and I have not been refunded. I got an email today stating that a check was in the mail, but we will see if it actually comes.My question is, why didn't I get an updated GFE? Can I be re-locked or committed to a rate and charges with just being told over the phone that nothing changed?Who is responsible for getting me the HUD-1 before settlement? I only got it 1 hour before from my real estate agent, not the closing agent or the mortgage broker.Why are charges like surveys not disclosed? Is there anything else that sounds fishy about this transaction. I am filing a complaint for poor service with this mortgage broker, but other than that is there anything unethical with not providing me a GFE or relocking me before I agreed to it?January 19 2012 - Washington00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.