We were left homeless for almost 2 weeks due to the incompetence of XXXX XXXX XXXX ( broker ) and HomeBridge Mortgage. We sold our home and were supposed to close simultaneously on our new home on XX/XX/XXXX, we were given final loan approval and closing disclosures on XX/XX/XXXX only to be told on XX/XX/XXXX that due to a change in credit scores we would have to pay 3.03 % in discount points and wait an additional 3 days for new disclosures. On XX/XX/XXXX we signed the new closing disclosure and were told then on XX/XX/XXXX we were told that the loan was failing QM points and fess and that a fee buyout would be added and the loan would have to be re-disclosed yet again. We received a XXXX closing disclosure on XX/XX/XXXX with another .25 % in points to cover underwriting fees and were told the loan would close and fund on XX/XX/XXXX. On XX/XX/XXXX we were told that the loan was still failing QM and that HomeBridge stated it was a " system error '' and that they were working on it when in fact we were later told that the loan was failing points and fees so we were sent a XXXX disclosure with now an increase of ..375 % in our interest rate and 2.25 % in points, with our backs against the wall, XXXX kids, a dog and no place to live we had no choice but to accept the disclosure with the higher interest rate. On XX/XX/XXXX we HomeBridge reported to our broker that the file was still non-QM compliant, exceeding fees by {$350.00} and that they were again " working on it ''. The loan finally closed on XXXX/XXXX/16, 12 days after it was originally scheduled to and at a .375 % higher rate and 2.25 % more in points. The incompetence on the part of HomeBridge and the lack of timely accurate information being relayed to us and our realtor by XXXX XXXX lending cost us thousands of dollars in hotels, meals out, pet boarding, storage and paying movers to move our belongings twice, not to mention the thousands of dollars we will pay for the higher mortgage rate, with an almost 2 week delay in closing we could have found another mortgage provider. 
