To whom it may concern : I applied for a fha XXXX loan to repair some roof damage to my home. I have very good credit and a long and stable job history. The value of my home covered the increase easily. The loan took over 1 year to close. My loan agent charged me {$3900.00} in points to lower my interest rate from 4.5 % to 4.5 % XXXX no it is not a typo, no change in interest rate XXXX. When I questioned him about this over the phone ( late closing ) he gave told me he was going to research it. During the closing I asked the escrow agent and she could not explain it to me. In order to justify the addtional fee, the loan agent ignored the instructions from the XXXX XXXX consultant and only accounted for partial fees that should have paid for my XXXX fees. I believe the agent knew what he was doing and stalled for time since he is no longer working with XXXX XXXX mortgage. I was purposely mis-informed, lied to, and the mortgage agent took advantage of my need to get my house repaired. I have reached out to the mortgage company and their management I am being ignored. I am now concern for that my credit identity and assetts may have been compromised since the agent in question has all of my personal information in order to process my loan. 
