Kyle was working with me. Told me I had to pay a 1% fee to newday to help vets, then changed it to points,. Told him I'm a Real Estate Broker and understand points, so then he said the fee was a rate lock. I told him the fed lowered their rate from 0- .25% to lenders March 16 2020. Constant B.S. supposed to close a week later and I let him know I was not doing business with NEW DAY USA. They need to hire honest people who RESPECT VETS not lie and BS their way to a close. He learned 2% of something is better than 100% of Nothing.