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Thanks guys, yeah, at the end of the day the up front documents are "estimates" and it clearly states that rates may change. However, to sneak in a 0.5% buy-down to keep the rate the same and not say anythgin till I catch them. Man, that's either negligent or totally dishonest. I'm not sure which it is, but either way it's not a good look.
I e-mailed the loan officer back and just said "Fix this or we walk on principle alone." They are scrambling. She blamed the e-mail with the link to the closing documents being an automated e-mail that made it to me before she could tell me personally about the points that were added in. What a cop out. Take ownership of your screwups. Don't blame a computer.
Meanwhile we are talking to another bank to see what they can offer. May have to start this whole process over again. Ugh.
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