We are working with a Mortgage Broker, Horizon Lending Services LLC NMLs # XXXX, that has changed the terms of our loan the business day before we were to close. I will attach later the email chain in which we are told that we are locked as well as the GFE that shows an increase in the points they want us to pay. Because this is so last minute, we stand to lose a deposit of {$21000.00}. I asked several times for a GFE, and now realize the reason she sent the information in a different format was just so she could change it at the last minute and expect us to pay. 
