[SMaltbie13]

...everything!? She keeps asking for the same crap! Including bank statements, pay stubs, etc. Multiple times, I've sent her the same of everything like 3 times. Now that were getting closer to closing, she keeps stalling EVERYTHING! She was supposed to order the appraisal, but didn't do it. Then did, but it didn't get done right, and is now stalling of ordering it again. The interest rate keeps going up, even though we've locked it in, which doesn't make any sense. Is this the reason why she's stalling everything, for the interest rate to keep rising?We're using a local mortgage lender and my credit score is 700. Our interest started at 3.5% and is now 4.75%. We signed a paper locking it in, but she said it can still go up. I'm convinced she's just using us for more commission, and is lying about submitting the signed paper.

[Frances]

If you locked in the interest rate it would not be able to go up. Sounds like the mortgage lender is a free lance and is brokering you out to the highest bidder for her. If your credit score isn't the best and this isn't a local lender call someone else. I used an internet mtg broker that my interest rate started out at 4.5% by the time it was ready to sign the interest was 18% I declined and went to a local mtg lender and although my credit wasn't that great I ended with 6% not bad as it was only 2% higher than lowest rate for the time. Remember the Mortgage lender works for the Mortgage lender not U. The higher the interest the higher the % she will get for completing the mortgage. Its all commission. Have U had to sign more than once for the interest if yes .... get your own lawyer.