You've recieved some terrific answers - I agree you shoudl go see an attorney familiar with lending practices in your state.
Now, let me add a little tidbit that no one (in your loan transaction) may have shared. Did you use a Mortgage Broker / Lender who was afilliated with the RE Broker? If so, they may have a joint venture with a larger mortgage company that was re-branded for that Brokerage. If that Loan Officer and Broker didn't do everything they were supposed to do, correctly, the parent Mortgage Lender may be calling the loan from the RE Broker (not you) and they may be trying to dump the problem onto you.
Again, find an attorney for a consult, make sure you have a copy of every piece of paper you signed and if you don't get resolution in writing quickly, call the Attorney General's office in your state.
Best of luck,
Broker / Owner & Certified HAFA Specialist
Thom Colby Properties
Newport Beach, CA
Moving Lives Forward (TM)
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