Options to communicate are very minimal almost none only sign of relief was Desdanie… thank you Des for your availability and patience. I requested for rate-relock and was told that it cannot be done after few days you guys do the rate-relock and then I come back to you again asking if you can do it one more time as the APR was even lower only to be told as if it is a company policy that ‘we can only do rate relock once’. FHA loans was the only loan I am eligible for I get that but Justin should have told about upfront 1.75% MIP Premium when on call along with my sales manager. Lot of information was not clear signed so many disclosure drafts with so many mistakes property tax was estimated lower to make monthly EMI less at signing the contract many things to point out.. but you are preferred lender and the only financially correct option..