I am complaining of a recent incident I had with this company on refinancing my lst mortgage. Over a course of eight weeks, I was trying to refinance my home and roll my equity line into the loan. After receiving an appraisal, which came in a little lower than expected, I was told by the company that i would have to subordinate the equity line then refinance the lst mortgage. Well the apprasial was 300 and the subordination fee was 200 with that interest rate going up 1.5% to subordinate the equityline. After many road bumps in the process of all the paperwork, the mortgage rates dropped to 4.75% and I was told by my broker we can lock you in this lower rate for 30yr fixed, no money to closing, and skip one month payment Wow that would meet my goals...and, at this time holidays coming, and needing extra cash flow...this was the deal for me...but to make a very very long story short. My broker texted me on October 3oth and told me my rate had gone up to 4.875% and the other rate expired. Ok, i was very upset...because this broker never called me to tell me the rate was going to be lost. I had received an e-mail from the company that morning that was my rate was still locked at 4.75% and the lock in would expire 11/3/09, the e-mail came to me 10/29/09. I was furious! I called to speak to the sales manager...but got nowhere. Got pressured to go with the 4.875% cause it was still a "GOOD RATE" so they say, and I was already out 500 bucks, and had been dealing with them for the past 8 weeks wanting to get my loan closed...but I told the manager if one more number on my Good Faith was changed then I would not close the loan, and he said "I appreciate that". He sent me an e-mail with the gfe and the pmi had been increased by 7 bucks. ok what the heck, you can just do that? After making him aware, he did correct the number, calling it a "human error" well, at this time there had been quite a few "human errors"...but in the mean time I went to their website and did pmi calculator and my pmi should have been 45 but they were charging me 68 which makes my house payment much higher. I also verified this with several local brokers...45 was right for my loan. Also, I got the broker I was dealing with to admit to me on the phone that he dropped the ball and let my rate expire. All I wanted from this company was to give me the rate and the loan they had promised me. This would have made me a happy customer, but Instead they made me feel like the entire bad process was all my fault and offered to lower the rate if I brought more money to closing. I feel this company baited me in on one rate and to make more money switched the rate at the very end. I have e-mails from them stating my loan was locked unti 11/3/09 but they would not honor any of them. I do not want another person to go through what I have been through. I am angry, hurt, frustrated, and appauld that this company is allowed to take advantage of people as they did me. I reported to the BBB and the response they sent back of course put all the blame back on me. The only blame I will take is that I was trying to save money and I put my trust in this broker to help me fulfill my goals financially. BEWARE, they are not out to help you!!! Stay clear of Goodmortgage.com!!!