Consumer complaint received 2015-11-19
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: ASPIRE FINANCIAL INC. (TX)

We refinanced in XXXX with a FHA XXXX. Everything went well, or so we thought. In XXXX, Aspire Financial hit our credit again with a hard inquiry. I contacted my Loan Officer on XXXX, she had no clue why. I got a phone call shortly after from a manager with Aspire telling me that they had messed up the XXXX, and the only option was to do another refinance. He informed me we could not do another streamline and would have to do a full refinance, which would include more processes. He assured me that we would not be paying any of the closing costs for the second refinance, as it was their mistake, and they would drop our interest rate .5 % to match the payment amount as close as they could to the refinance amount. He sent the GFE reflecting this. I gathered documents and got them what they requested. They requested more, I got them what they needed. After several rounds of this, they ordered the appraisal. I contacted XXXX on XXXX to make sure they had made my insurance payment which was due on XXXX. She said she had my insurance. The appraiser came out on XXXX. I was told that was the last item needed, everything was being sent to underwriting for clear to close. On XXXX, XXXX emailed me to ask if I 'd made the XXXX payment to them. I informed her I made it on XXXX and asked if I was to make a XXXX payment. She told me no. On XXXX, I asked for an update. I was told they are having to transfer something internally that has to do with FHA and waiting on title company from previous transaction to give us the " ok to proceed '' and I should hear something the next day. On XXXX, I asked for an update. XXXX told me she was going to follow up with FHA and would be in touch. She then told me we would close this month. Later on XXXX, my insurance agent contacted me letting me know my payment had not been made and my policy expired on XXXX. I contacted XXXX again, she told me she did have the insurance. On XXXX, I asked if I would be getting an answer about insurance. XXXX I emailed again asking XXXX if it had been paid, and that her emails were unclear and I needed an answer. XXXX she said she talked to servicing about insurance and was unable to answer my question. On XXXX, she said servicing would be contacting me about insurance and believed it had been fixed or was being fixed that day. XXXX XXXX also said he was checking on the escrow and would let me know ASAP. I never heard from XXXX again. XXXX got involved and got the insurance paid. I contacted my insurance agent on XXXX and was told they had received payment for insurance and the check date was XXXX. XXXX called on XXXX. We spoke about the whole situation. I asked about the XXXX payment. She said Oh, yes, we need it. So on XXXX, I made my XXXX payment to XXXX. XXXX, we were set up to close on XXXX at XXXX. XXXX I received disclosures with a higher interest rate than our initial GFE. XXXX could not find it anywhere in our file, so I sent a copy to her. She said they would fix it. Then said they could n't. I told her just go with it, if we were to close on XXXX, we just want it over. We never received a XXXX until around XXXX on XXXX at XXXX XXXX. The loan amount was the same as the paperwork showed in XXXX. I contacted XXXX, but she could n't give a reason. We did not sign. We 've received XXXX sets of disclosures since and a final HUD statement, all with different numbers, and still incorrect interest rate. I was also told my payment, which is {$77.00} higher than we were told. I 've been told they are putting numbers in so the bottom line is zero, but I feel like they are moving numbers around and we are paying some of the fees without knowing. Settlement fees have gone from {$11000.00} to {$6400.00} in 3 days. I need help. I do not feel comfortable signing anything with this company.