During the mortgage loan application for my house ( first time buying a home ), the Loan Officer at Golden Empire Mortgage, XXXX XXXX, promised me to exclude the loan origination fee in the amount of {$2400.00}. I was rushed to sign all the loan documents by the notary, and was told that XXXX was going to go over all the details with me later the same day. Nobody disclosed to me that I would have 3 days to go over all the details, and that I had the right to cancel the loan if there was anything wrong with it. When I realized that the fee of {$2400.00} was not removed, and I asked XXXX XXXX about it, this was her response : " Oh shoot, I forgot.. do you want me to redo the whole loan, which will take another 30 days or so? ". Again at any moment she told me that I had 3 days from the day I signed the loan papers to either cancel or adjust any discrepancy. I was really disappointed with the dishonesty and the lack of respect to me as a consumer/client. If I knew I had 3 days to go over the details of the loan and fix any errors or discrepancy in any money amount, I would have totally argue/fight to have that amount adjusted/removed from the loan. I thought that once the papers were signed that was it I could not go back or fix anything. I could not redo the whole loan, as she suggested and wait another 30 days because I had already given the 30 days notice to my previous landlord, so I had to move into the new home within the next couple of weeks. I will never ever recommend GEM mortgage to anyone, especially this particular loan officer. 
