Rayb..
Nor do I disgree with you…
Based on KPP’s account,
I don’t need to “know” Joice to know that I don’t like her service…Some people are passive aggressive and know that they have their client wrapped around their finger and they aren’t going to walk, which this appears to be…but of course you are right, there are 3 sides to a 2 party story.

IF KPP truly didn’t know rates, fees and costs, then something was wrong from the beginning.
Since KPP has no idea of a rate or fee, after the tantrum it may be costing them more today than yesterday.

There are some mortgage people that say YES to everything.
(I am NOT saying this about “Joice”) They mislead people with rates, fees and programs, but keep hunting to try and get the loan done. Perhaps KPP doesn’t qualify for anything, and J has been stringing them along…
I cannot tell you why J was throwing a fit, perhaps it wasn’t the first in thsi transaction. Some people like to be abused.

For the record, KPP did email me, but said that they want to try and work it out with “Joice”…

I had a situation where I could have saved a borrower about $3,000 but he needed to pay for an appraisal at $350.
He stuck with scumbag and rewarded him because it was almost done (it had taken a month) I was still able to save borrower $1000 from scumbag.

You’d be amazed at how many people KNOW they are getting a crappy loan AND crappy service, and go ahead and sign anyway.

Buying down a loan is a personal decision that pays off in the long run, IF the loan is kept long term. It’s the same fee TO THE LENDER whether you keep the loan 2 yrs or 30 yrs.
Some people just cannot afford it, or it may not make sense if it takes 5-7 yrs to benefit from the cost.