Applied for a loan with Southwest Funding, a loan broker in XXXX, TX. The loan was quoted verbally on XXXX/XXXX/15 by XXXX XXXX as 3.25 % with total fees of {$1800.00} to be paid. This loan was XXXX option on the original GFE issued by XXXX XXXX, although the {$1800.00} in fees was higher than on the GFE. XXXX issued several subsequent GFE 's, each XXXX incorrect. As of the day of verbally being advised of loan approval, a correct GFE had not been received, however, we continued to proceed in good faith. A correct GFE was never received prior to closing. The final, incorrect, GFE, arrived via XXXX on XXXX/XXXX/15, the day of closing. Despite being advised of loan approval on Friday, XXXX XXXX and requesting both the corrected GFE and HUD statements several times between that date and our scheduled closing of XXXX/XXXX/15, they were not received in a timely manner. On XXXX/XXXX/15, the business day prior to closing, the HUD statement was received late afternoon. Upon review it was noted that again, the loan numbers were incorrect. There were origination charges and fees totaling {$4100.00}, or {$2300.00} more than quoted. A call to XXXX XXXX of Southwest Funding the morning of XXXX advised of the error and a correction requested. After reviewing with the loan processor, XXXX XXXX advised that the numbers were correct and that there were origination charges tied to this particular loan, which was not as she had verbally represented, or as had been stated on the original GFE. She also advised that we could change to another loan, but that would take a minimum of 3 days to process. As the closing was out of state and had already been delayed once, my husband and I would have to find another time to travel, incur additional expense, etc., we decided to go ahead with the closing even though the figures were incorrect and the loan was not the one that had been promised. 
Southwest Funding did refund {$470.00} which was the cost of the appraisal on the property, however, even with this refund, charges incurred were {$1800.00} more than originally quoted by Southwest Funding. 
Complaints : XXXX 's agent, XXXX XXXX did not provide the loan that was quoted, nor did she follow up with the actual lender to provide documentation in a timely manner, despite numerous requests for this documentation. 
XXXX XXXX did not provide the GFE on the loan that was purchased until the date of closing, at which point it was too late to make any corrections for their errors. 
An aside, XXXX advised that information from XXXX was sent via XXXX and e-mail, however, no e-mail was ever received from XXXX XXXX. 
I believe that both of these issues are unethical practices. 
