[quote=contrarian]
Well past 120 days, I got a fed-ex package. “Sign all the documents and return it IMMEDIATELY or you’ll lose the lock in four days.”[/quote]

Deja vu all over again. My lock expired the VERY DAY I received the Fed Ex package. Fortunately, I knew the package was coming and I had a notary waiting. But, still… very underhanded.

[quote=contrarian]OK. Let’s look at the documents. Wait – what’s this 0.625 in points? This is a no point loan.[/quote]

This is happening routinely these days.

[quote=contrarian]I’ll bet they get away with it every day.[/quote]

I’m considering suing BofA for the max in small claims court (is it $2,000?) for shits and giggles. My argument would be that their failure to fund my loan in a timely manner (and there are laws related to this sort of thing) cost me money, which it did, as I was paying a higher interest rate for the 3-4 “extra” months that this thing sat out there unfunded. And their motive was that they held the same loan with a higher interest rate and wanted to drag it out as long as possible.

Now, the reality is that they’re mainly incompetent. But I’m pretty sure I can make the case. And I’m kind of curious as to how much effort they’d put into defending it. And if they actually lost… would others do the same? Anyhow, we’ll see. I may not have the time or desire to put into it. On the other hand, I might…