Consumer complaint received 2021-12-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: DAS ACQUISITION COMPANY, LLC (GA)

Before closing on my new mortgage with USA Mortgage, they informed me that my interest rate was going to be XXXX because of my credit score. Therefore, I ask if we could buy points to bring my interest rate down and was told it would cost us what I think was over {$5000.00} and it would give us 2.87 % interest rate. I asked why the price was so expensive and was told, that's because it was expensive to buy points. 

I was later told I could not get points because my credit score was too low. However, at the closing on XX/XX/21, I noticed that under " Loan Cost '' it said ( 1.5 % of loan amount points {$4600.00} Processing fees {$650.00}, Underwriting Fees {$550.00} ) amounting to {$5800.00}. It was late in the evening during the closing, but I pointed out to the person that was conducting the closing and she suggested that I call the mortgage company. We called the mortgage company while in the closing process room. I believe it was XXXX XXXX from USA Mortgage answered the phone and said the people she needed to speak with were not there, they were out of the office, however, she stated we bought 1.5 % interest rate which brought our interest rate down to 3.25 %. I told her then that would mean to me, that she was saying my initial interest rate had to be 4.75 %, and that did not sound practical. XXXX said that they would take care of it on Tuesday XXXX so we signed the documents because we were under the impression that they would take care of this matter according to what the lady said. 

On XX/XX/21 we received a call from XXXX XXXX around XXXX p.m. saying that she sent us an email with documents to sign on XX/XX/21 that should have been part of the closing, and she needed me to sign them. I told her I would take a look at them as soon as I could. She called me back within a few minutes and said, she should have made it clear to me that I had to sign them before XXXX p.m., in XXXX minutes, or they would have to terminate my purchase of the house and they won't be able to lock in my interest rate. I couldn't get the email sent by XXXX to open. This happened 16 days after the closing. Therefore, I called the lawyers office, XXXX XXXX and XXXX immediately after talking to XXXX about this matter, and XXXX, a representative from the attorneys office, said that we were officially closed, and she had not received any document from USA Mortgage, and that they would reach out to XXXX XXXX to see what the documents were all about. XXXX sent the documents to XXXX at this time but XXXX could not open them and neither could I. 

I don't trust USA Mortgage and I would like to have them investigated to see what happen to my interest rate that they charged me for, or I want my {$5800.00} back. I don't know why XXXX is sending me documents to add to the the closing that took place 16 days ago, and I can't open the email documents to see what they are saying. I asked XXXX was the documents pertaining to the {$5800.00} that I charged for the points that I didn't receive, and she said yes, and it was pertaining to the rest of the closing also. 
Also, when I talked to XXXX XXXX on XX/XX/21, she said XXXX XXXX was no longer with USA Mortgage because of what they did to us concerning the points being incorrect, However, they may be able to offer me refinancing with a lower rate, and that she had talked to XXXX XXXX XXXX and XXXX XXXX XXXX said, she may me this refinancing with a lower interest rate because of what they did because it was too late to change the wrong that was done, to get my money back.