LSI Mortgage Co. Mortgage-Plus LSI = Bait and Switch, Lies, avoidance and cover up Nationwide

LSI offer an interest rate in an email and said as of today 4.25. When we got to closing it was 4.325 - a differnce of over $5000 over the life of the loan.

My loan officer had no idea we had closed and kept asking for paperwork the he needed "prior to close" for days after we closed. He also said he had no idea why the rate had gone up and that the underwriters did not tell the loan officers anything.

I complained and was contacted by Daniel Iasbarrone and my loan was "investigated" After 2 months of nothing, I contacted Daniel to see how the investigation was going and he said he had emailed me and I had not responded so he thought I wanted to drop it. I asked him to send me a copy of the email the he sent that I did not respond to. His response was simply "I emailed you" but provided no proof.

After numerous emails back and forth. He told me the 4.25% in the email was as of the date of the email only. When I asked about a GFE he stated that I had received it and send me a copy of forty some odd pages of paperwork. Sure enough in the paperwork, there was a GFE stating 4.325 dated only two or three days before our closing.

I had never seen that piece of paper before and it was actually very helpful. It had all the money broken down as to what we were paying for what and how much to expect to pay and we were getting in equity etc. I really wished I had seen it because my husband and I sat down the night before closing and did all the math ourselves so we had an idea what to expect. Had we have had that paper, we would have been more confident what to expect when going to closing and trying to keep track of numbers.

I express this to Daniel and asked why the form was not signed. He said I had filled out a form that electronically signed all paperwork they sent. When I asked for proof that I had received it. Daniel simply quit responding.

I have copies of all the emails between Daniel and i and Chris Piatchek and I for review for anyone that would like to see.