Ok, so it's two days before I go to settlement and I get all my mortgage paperwork in for me to sign, and guess what? The rates are all way higher than what we originally discussed. These people really piss me off. When you're in this situation, it feels like you're covered with leeches. You try to buy a house and before you know it a dozen or so people are standing around with their hands out, asking for more and more money. I wouldn't have cared so much, but the mortgage broker was using some sales tactics that made him seem kind of slimy to me. First he started comparing the loan he was offering me to one with even worse terms and pointing out how much better this one is. Ok, but how about comparing it to the terms we first discussed? Remember...the rates that were WAY BETTTER! Then he started pointing out what a good deal I got on the house and the fact that I'm getting cash at settlement and that this is unheard of in current market conditions. I pointed out that because we negotiated a good deal on the house doesn't mean he should rake me over the coals on the financing. So he's really exploiting the fact that I'm two days away from settlement on a deal I really don't want to walk away from. I'm in a vulnerable position and he knows it. My mistake: I didn't get a good faith estimate in writing.