The first episode that challenged my trust in USAA was the phone call that made it clear to me that USAA had thrown me a lowball estimate to lure my business . The loan processor called and informed me that the closing costs were going to be $ 3,100 more than the original " good faith " estimate , due to things such as the county taxes . I voiced my displeasure with this , and the loan processor said she would run the numbers again and call me back . After recalculating , she called me back with a new estimate of closing costs that was only $ 1,200 higher than the original estimate .

Question: Why might USAA have quoted me a $ 3,100 amount for closing ?
Answer: They thought they could get away with charging me more than they should .None of the above choices .They were attempting to gain my trust with giving me the correct figures up front .The loan processor said they made a mistake and it was actually $ 1200 more .