Very simple. Don't sign anything until it says exactly what was quoted you. Your lender should have locked in your interest rate. Look at your Good Faith Estimate....it should match whatever you are being asked to sign now. I would be on the phone with your Realtor immediately. You should have a loan contingency in your contract that caps your interest rate...if the terms are not what is in your contract, that's where the contingency comes into play. Your Realtor will walk you thru this and recommend another lender immediately if you need one. Don't lose sleep. This is not an uncommon experience and it can be rectified in the morning.
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