Flagstar Bank Mortgage Complaint

Flagstar Bank Mortgage department,

Other mortgage Credit decision / Underwriting Ohio

Hello, my name is -. I contacted Flagstar Bank about refinancing my mortgage to a lower interest rate. I was quoted a 4.198 % interest rate that was supposed to be locked in. They told me I needed to pay $500.00 for an appraisal, and as soon as that came back, everything would be a go. I was led to believe that the refinance was a lock. But then the appraisal came back, and apparently I need to now pay $10000.00 at the closing of the loan. I feel this is completely unnacceptable and they used misleading tactics to convince me to pay for the appraisal.