Summit Funding, Inc. Mortgage Complaint

Summit Funding, Inc. Mortgage department,

Conventional fixed mortgage Application, originator, mortgage broker California

I have a FICO score of -. My only debt is $ - on a property that just appraised for $ -. I have a - figure guaranteed income. I am looking to refinance my existing property to purchase a - home. I contacted Summit Funding who advertises to be associated with -, who pays my retirement. The loan agent has engaged in bait and switch ( offering closing costs at $1800.00 on the phone, then providing a GFE that was almost - that ). They stonewalled on the appraisal, promising a turnaround of - days which ended up being -. They have caused one delay after another. They offered a rate lock of - days, knowing they would stall long beyond that ( we are now nearly - days into the game ). Their rate lock agreement says that if the lock expires they will only raise but not lower rates ( again knowing that they would stall beyond the lock period ). I just contacted - to file a complaint, only to be told that they terminated their home loan program in - 2010, and that their program was thru another firm anyway. So now Summit Funding, by claiming association with -, has committed outright fraud.