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      05-07-2021, 12:19 PM   #6
zx10guy
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Drives: 2013 135i
Join Date: Feb 2014
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It's been a while since I did a refi. But I seem to recall a HUD-1 would be required. If you have one, what does it say?

I guess I'm one of the rare situations where a mistake with a mortgage rate worked in my favor. I was purchasing my vacation home back in 2012 and working with the builder's in house mortgage company. Through corresponding with the loan officer via email, I didn't catch the loan officer's mistake. Although it would have probably popped up later, she had realized her mistake in short order and owned up to what she put in writing. She had mistakenly given me another .25% buy down on the interest rate for the .5 in points I was paying.

So what I'm getting at is go back to your written correspondence and see how recent it is and what the numbers state.
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