Guys I'm really stressed out

[Deleted]

About this whole mortgage thing. I sent an email last night telling our mortgage guy it was very clear the property was a condo and that we expect to have the 4% rate that we locked-in back in June.

I haven't heard from him (I sent it last night). Do you think I should call in a bit? Ask to speak to his supervisor?

We're set to close on Wednesday so there really isn't a lot of time.

[mirandahobbes]

I would call. If he's still not honoring the 4%, then ask to speak to a supervisor. GL! This process if very stressful!

[lemon]

I would absolutely call. And if he's not helpful, go above him. And if his supervisor is not helpful, go above him.

If you look back through some of my older posts, you'll see I went through something similar recently. Except I was told we locked at 3.5, and found out a few days later that my loan officer locked us at 3.875 instead without telling me. Her direct supervisor was completely unhelpful, so I went to regional management and after some strongly worded emails and phone convos, they honored the 3.5. Run that shit up the chain until you get them to honor it.

[demofea01]

Jul 11, 2013 10:51:39 GMT -5 farmvillelover said:

Did you lock in your rate? If you're set to close on Wednesday I'm assuming that you locked a few weeks ago, and that should be honored.

This. Your rate should've been locked in when you started the paperwork with your underwriter. If not then I would rinse hell about it.

[flex]

Hell rinsers unite! lol

[Deleted]

Jul 11, 2013 10:51:39 GMT -5 farmvillelover said:

Did you lock in your rate? If you're set to close on Wednesday I'm assuming that you locked a few weeks ago, and that should be honored.

We locked in our rate at 4% and our mortgage guy sent us an email yesterday saying that the original rate was based on a single family home and our new rate would need to be 4.65%. He had a copy of our appraisal, mentioned condo insurance policies etc. So it would be impossible to not know it was a condo. He wants us to sign new docs agreeing to the changes which I am not going to do.

[demofea01]

Jul 11, 2013 10:54:53 GMT -5 flex said:

Hell rinsers unite! lol

Lmao. Stupid autocorrect. I didn't even notice. Your underwriter is an asshole amoosed. Definitely ask to speak to his supervisor.

[angelaa73]

Oh that sucks. The rates have spiked and your uw is an idiot

[joshlyman]

Jul 11, 2013 10:55:08 GMT -5 @amoosed said:

Jul 11, 2013 10:51:39 GMT -5 farmvillelover said:

Did you lock in your rate? If you're set to close on Wednesday I'm assuming that you locked a few weeks ago, and that should be honored.

We locked in our rate at 4% and our mortgage guy sent us an email yesterday saying that the original rate was based on a single family home and our new rate would need to be 4.65%. He had a copy of our appraisal, mentioned condo insurance policies etc. So it would be impossible to not know it was a condo. He wants us to sign new docs agreeing to the changes which I am not going to do.

So he is either a real idiot, or he is trying to pull one over on you. Either way, light up the phone.

[bornbaker]

I would call - ass hole could totally say he never received your email. Therefore never called.