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I began the mortgage loan process with Excel realty and mortgage on XXXX/XXXX/2015. XXXX XXXX at XXXX office was the loan officer I started working with. He offered me the interest rate of $ 3.875 % for 30 yrs fixed loan with no closing cost, no lender fees, no points, no any other hidden fees whatsoever. I agreed to the terms and conditions and asked him to lock the rate. During the entire process, I was quick to provide them with all the required documents and promptly answered any questions they had. After 3 weeks into the process of obtaining the loan, he began making promises to me about finishing up at the end of that week. This was his routine over and over again. 3 long months later, on XXXX/XXXX/2015, he assured me that we would finish up the process in no longer than a week 's time once again. Then to my shock, on XXXX/XXXX/2015, during a phone conversation ( one which took me many attempts to make happen ), he informed me that the previously locked interest rate of 3.875 % has expired and that rate is no longer available. I am very upset. After more than XXXX long months of waiting, I am still getting nowhere. I called other Excel realty and mortgage offices with the hope of talking to a supervisor, will help me to resolve the problem. I spoke with XXXX XXXX. He said he will do his research and will get back to me. Still nothing is happening. Now interest rates are much higher than what it was 3 months ago. I lost the transaction that could have benefited me and I do n't know what to do.
What happened to me was very unfair and unprofessional. please help me to bring this issue to justice and not let this happens to anybody else.
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