I applied for VA loan (refi with cash to pay off ex-wife) and was promised 3.7%, and 1.5 points to lock rate at 3.7. Cost for points a whopping $9000!. Ken (loan officer) should have given me a set in stone list of what all would be needed to be presented to the underwriter. I never got a rate lock timeline. I was told “stop worrying “! “You are locked at 3.7!”!. Instead of a concise task sheet, Ken would send one word cryptic emails like “appraisal “ or “tax returns”. A week or two goes by and I get another task. He dished them out one at a time. I didn’t understand why at the time. THREE MONTHS OF THIS, and after numerous mistakes on Kens part (“sorry, I forgot to tell you this…”) the loan is ready to close, and the rate lock fee is now $24000!!!!! That’s TWENTY FOUR THOUSAND! I’m now out of time and forced to sign or the ex will foreclose. Ken took advantage of this to rip me off. I’m a 100% disabled veteran with no other income and a house payment of almost $3000. I don’t know who might help me. The government is busy giving cell phones and free housing to border trespassers. The DAV does not return calls. I saw another unhappy vet is reporting Loan United to the CONSUMER FINANCIAL PROTECTION BUREAU. I will try that, but I won’t expect much, so as not to be too disappointed. Stay away from Loan United. Still not sure if it’s incompetence or fraud. The result is the same. As an aside, it’s been almost 2 months and I still have no idea who or where to send my Coast Guard disability check to for the mortgage payment…..