I 'm trying to refinance a home loan. When I originally spoke with the loan company, we discussed a rate that would provide me with a credit big enough to incur no closing costs. Now, the lender is telling me that I may need to bring at least {$5500.00} to closing, and I have a higher interest rate than we originally discussed. I feel that this is a bait and switch on their part. Also, on XXXX/XXXX/16 they told me that I could close on either XXXX/XXXX/16 or XXXX/XXXX/16, and are, as of today, now telling me that I ca n't close then, and telling me that they did n't schedule closing with my Title Company, so it is n't their fault that I may incur costs to reschedule, including taking time off work so that I can sign the papers. Now I ca n't get them to tell me how much money I will need to bring to closing. I feel that they are ripping me off, and know that I ca n't do much about it since I 've already spent money on an appraisal. 
