[HereInTheHeartland]

Go through a major lender that services it's own loans, and that has a local presence in your area; is the best thing you can do.
I do this for a living and am amazed that people don't do this. People will say the can get 1/8 better in rate or $200 less in closing costs (of course that's the original quote!). They think they will save and then stuff like this happens.
You always have some recourse if you can walk into the bank where you got your loan and talk to the people who helped you set it up.
I know that if one of my past customers had an issue such as you described; I would not tolerate that in my company. I know who to talk to, and who they work for.

[TruthConquers]

How do you know when a major lender does do its own loans??

Our old bank got sucked up by OneWest.
We didn’t stay with them, went to a local credit union. Hasn’t been a year yet, but so far so good. Would credit unions sell off their loans?? It seems to me I have read for awhile that people go to a bank and before they know it, the loan has been sold.

It seems that selling loans and then letting a servicer make fees is the SOP for banks these days. Glad to hear some banks aren’t doing that.