I bought a house from Toll Brothers in XXXX VA. Toll brothers always recommended us to use their TBI mortgage. I signed up for a rate lock ( at 4 % ) with a promise that TBI Mortgage will renegotiate a lower rate if the rates dropped or if I could find a lower rate else where. The rates dropped really low once and I called them and asked if my rates changed. The agent agreed that my rate has dropped to 3.875 % and he is put in a renegotiation and get back to me in 2 days. He called me back after two days and said that my renegotiation has been declined because I am too far away from closing. at this point I lost trust in the lender and started shopping outside and got an offer for 3.5 % interest rate. I took it to TBI and asked him to match and waited for a week. My agent clearly told me that he will not match it and I should go with the other lender. Now Toll brothers has charged me a 1 % fee since I went with the other lender and not TBI. I never got what I was promised from TBI, then why should anyone charge me that fee? 
