In XXXX of XXXX I refinanced my home through Cornerstone Mortgage. I chose this company because I needed to pull money out of my house for college costs for my kids. They gave me a closing cost amount that was slightly over what others were by about XXXX dollars but I went will them because the loan officer ( XXXX XXXX ) claimed she could do it quickly. As is turned out when my home loan was sold to another company by cornerstone virtually immediately and my payment was increased in XXXX of XXXX by {$120.00} dollars a month. After a lot of investigation and run around I found out that the original company CORNERSTONE MORTGAGE had told me that my home owners insurance was paid up for 12 months when it was n't. They only collected 2 months from me and it was due in full in XXXX of XXXX. The loan officer XXXX XXXX XXXX XXXX told me it was an oversight on there part and she could refinance the loan and factor in the additional amount. I explained to her that the reason I went with there company was because it was comparable to others with the closing cost. Of course the other companies were paying my insurance in full. I feel like I was lied to regarding the closing costs as they pocked the additional 10 months of insurance payment that I was told was included and now I am having to pay it again by my payment increasing way over what I was promised in XXXX. I faxed the initial escrow account disclosure to the loan officer and never heard from her. I do n't know if anything can be done at this since it says only 2 months were collected on the paperwork but I wonder how many people this company has done this to that do n't think to confirm with the paperwork or maybe do n't understand what is needed as was my case. 
