Hi and thanks for your time ... we recently refinanced in order to take advantage of the reduced FHA monthly MI premium and move from 5yr ARM ( originated with same lender about 12 months prior ) to a fixed product. The monthly savings are less than {$100.00} but the silver lining was ARM to Fixed. The day before closing I received the following e-mail : XXXXXXXX , Funds to close is $ XXXX escrow return is {$4400.00}. 
Sorry about the funds to close but the difference it is made up in the escrow return. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXXOffice : XXXXTollFree : ( XXXX ) XXXX ext.XXXXFax : ( XXXX ) XXXXXXXXXXXXwww.usmortgage.com XXXX $ XXXX at closing to save less than {$100.00} per month is a lot but the promise of the escrow refund made it tolerable. 
A few weeks later the escrow check was received in the amount of {$2200.00} ... big difference. 
We closed XXXX/XXXX/15 and I have been going back and forth with the lender to figure out what happened for the past month and every contact ends with let me look into it and I 'll get back to you ... then nothing until I reach out again. 

We think we were misled and I ca n't say for sure but I do n't know if we would have gone forward with the transaction without the inducement of the {$4400.00} escrow refund. 

Do we have a legit complaint? 

Thanks again for your attention to this matter. Any guidance you can offer will be appreciated. I 'm sick of going back and forth with the lender and then being ignored. 
