My loan went from lender paid to buyer paid right when it was time to sign docs. This swing changed fees, interest rate and limited my ability to consolidate my debt as was originally expected. The Loan Company is Plaza Home Mortgage in XXXX, CA and the Mortgage Broker is Fast Direct Lending. My loan number is XXXX. Plaza seemed to keep asking for information well after Loan Approval and all the way up to doc signing. 
My income has increased, my credit has improved and the property was appraised with a good value. I am going to sign the loan docs, I have till XXXX XXXX XXXX, 2015 to rescind. 
I have been trying to refinance for the past XXXX and I am not sure I can go through this another time. It seems that Plaza was delaying. I do not know the dates of lock extensions but their re-requesting of the same information for example a XXXX for my mother whom does not file taxes. They were told this yet they kept asking for this form to be resubmitted. Just when it was time to sign docs, the Notary even contacted me and we were going to meet that day, only to find out that Plaza stopped the process and next thing I was paying for all cost of the loan with a higher interest rate. I was floored and have been nauseous since. It has been XXXX months since the original XXXX was issued. The market is moving and I am afraid that if I do not take this loan I will end up with an even higher interest rate. This seems unfair to me. 
