NVR Inc Mortgage Complaint

NVR Inc Mortgage department,

Conventional adjustable mortgage (ARM) Loan servicing, payments, escrow account Maryland

I signed house purchased contract with NVR Home in -/-/- and got approved loan from NVR Mortgage in -/-/-. At the time the expecting delivery date is between - and -/-/-. I decided 20 % down payment. However real settlement date is -/-/- and I was able to save more money for down payment. On - -, I email Sr. Loan Processor - - - that I want to increase down payment. He referred me to Loan Officer - - -. - - called me, so I do n't have written record, that I have to extra processing fee in thousands by rough estimation. The better option is to recast afterward which is free in - times. I took the offer. In -/-/-, my loan was resold to - -. After I sold my old house, I call - -, - - - for recast. She said that I have to $500.00 fee. I told her that this is my - recast and it should be free. She said that she had to check with previous mortgage and asked contact information. So I forwarded NVR Mortgage loan officer contact information. Several days later, she emailed me that I have to pay $500.00 and asked me contact NVR Mortgage. I emailed - - and he said the charge is at discretion of mortgage company and denied he said it 's free. I had no idea what is recast until he mention it. Had he said it 's not free, would n't I chosen pay higher down payment? I feel being deceived. Both mortgage companies are benefit of charging me more.