Closed on a property locally through a company thats a mortgage broker and has their own closing company. Loan was a mess. It took 3 months to close on a $40k loan. They lost a $14k cashier’s check from me. They have been calling each day wanting me to check on the check status and get a duplicate. Problem is I’m really pissed at the whole operation. It took 3 months to close, I would get put off on almost a daily basis the entire time, loan officer would not return calls or take them when they were in. Closing agent in the same office was the same way. At one point it was held up for almost 2 weeks b/c I had $50k in my checking account and I had to prove where it came from (which was from a saving account transfer). It was a huge mess and I almost lost a great deal. Their good-faith estimate wasn’t all that good.
Anyways, does anyone know what my obligations are to them? I was thinking about waiting a couple months (just for revenge) or asking that they refund the $1200 or so in lender and broker “commitment” fees in exchange for me working with them. I’m normally not mean-spirited but I’m still fuming over their loan officer not taking or returning calls.