I have been refinancing XXXX home mortgages. The mortgages are currently with Wells Fargo, and the refinancing was to be through Wells Fargo. The process was started in XXXX, when interest rates were near their all time lows. I was given a rate lock in at that time. They failed to process the loans in a timely fashion, they claim because of a large volume of loan applications and not enough staff to process the loans in a timely fashion. When the loans were being processed, they could not get the HUD correct XXXX XXXX HUD had a closing cost of {$49000.00} XXXX. This required extension of the rate locks, which I have just been informed, incurred a cost to me for the extensions. 
Additionally, they are refinancing XXXX loan at the original equity balance present when the process started, and are not giving me credit for over {$4600.00} in principal that has been paid since inception of this process. Therefore, on XXXX loan, the closing costs are {$3900.00} but the real costs are in excess of {$8500.00}. This problem is in addition to the previously stated lock rate extension costs they have added to the closing costs. This, to me, is a bait and switch. 

I am supplying documents for XXXX loans. The primary residence AND a XXXX residence 
