Skyline Financial Corp Mortgage Complaint

Skyline Financial Corp Mortgage department,

Conventional fixed mortgage Application, originator, mortgage broker California

We 've been in process to buy this condo in - since -/-/-, we have so many delay with the loan and approval from my loan officer ( - - ), we got - counter offers because the due date has passed, the price went up from $ - to $410.00 as final price. Since last year we already told - that we do not want any points on the loan since we will refi anyway. On -/-/- he sent me a GFE the closing cost total is $ -, and on -/-/- he sent me another email the total closing cost revised to $ - due to 1.625 % points and we have to sign the documents by - since they have to close everything on -/-/- otherwise we will lose out down payment of $ -. His argument is due to my credit score only -, I mention to him, my credit score did n't change for the last 2 days and he said he did n't lock the rate and it charge points after he lock it. I feel like I 've been set up since they charge me points for $ - like 2 days before the closing day. My question is : is this even legal? I know the rule that they ca n't increase from GFE to HUD more than 10 % but this is from GFE to a revised GFE, is this legal? If it 's not, how do I get the points fee back? Thank you in advance for your help.