On XXXX XXXX, 2015 I made contact with Cardinal Financial Company LP Doing Business As as Sebonic Financial through the web site XXXX. I agreed to apply for a mortgage to refinance my personal residence. The mortgage terms were to be 30 year fixed at an interest rate of 3.375 %, origination fees of {$350.00} and a 30 day rate lock. After multiple delays on their part, on XXXX XXXX, 2015, two days prior to closing, they informed me that instead of paying origination fees of {$350.00} as originally stated in the Good Faith Estimate ( GFE ) dated XXXX XXXX, 2015, if I wanted the loan at the original terms I would have to pay origination fees of {$2700.00} as a rate lock extension charge. When I pointed out that the bulk of the delays were on their side and that on two occasions I was told by Sebonic/Cardinal representatives that if I was timely in my production of documents I would not have to pay for a rate lock extension, I was told by XXXX XXXX, XXXX XXXX XXXX, to take it or leave it. Given that rates had increased 84 % from the 3.375 % to around 4.0 % in the intervening 67 days and the XXXX is assumed to start raising rates in XXXX, I could do nothing but take it and pay the increase in fees. 
