Bank of America 's mortgage loan officer, XXXX XXXX, did not disclose a {$10000.00} fee when she compared XXXX products from which to choose ( FHA loan v. XXXX loan -- her e-mail to me is attached, dated XXXX XXXX, 2013 ) ; the e-mail details costs, fees, etc. but it does not show the nearly {$11000.00} fee mentioned above. Additionally, she did NOT provide a Good Faith Estimate when we identified the house we were to purchase -- XXXX XXXX had taken all income, assets, liabilities information for a home loan ( she also provided a pre-approval letter on XXXX XXXX, 2013 ). Please note that we entered into contract on XXXX XXXX, 2013 and we received the Good Faith Estimate ( attached ) from the Colorado processing center until XXXX XXXX, 2013 ( mailed on XXXX XXXX, 2013 ) -- the first time the nearly {$11000.00} fee was disclosed to us. We had a 14-day financing contingency that was going to expire on XXXX XXXX, 2013 ; we received the Good Faith Estimate after business hours on XXXX XXXX, 2013 so the first business hour opportunity to reach XXXX XXXX was on Monday, XXXX XXXX, which was 5 days before the financing contingency was due to expire. The date of the GFE was clearly beyond any RESPA requirement of 5 days to have been provided to us. Since we could not withdraw the FHA loan without losing the home, we had to accept this loan that was unfavorable compared to the doctor loan that did NOT have the {$11000.00} up-front fee and the monthly PMI of nearly {$800.00} Bank of America misrepresented the loan and did not follow the law, which cost us an additional {$25000.00} until we refinanced the loan ( we now have a 30-year, fixed-rate loan with Bank of America ). The CEO of Bank of America is involved and the person to contact at his office who is fully aware of this matter and its details is XXXX XXXX XXXX at the following number : ( XXXX ) XXXX. Thank you. 
