I was getting a mortgage from Majestic Home Mort. Co in Garwood, NJ. They quoted me a rate with no points. For weeks I spoke with my broker, Shalom Kesselman, about locking in my rate. He assured me he would get my rate if not better. 5 business days before closing he quoted me some ridiculous rate. I demanded to speak to his supervisor John Grimaldi. John came back 15 min later to tell me the rates dramatically went up and I would have to pay up to 3 1/2 points. I pulled my mortgage from them. They refused to release the appraisal that I already paid for. When they realized I wasn't returning, the rates dramatically came down each day. They sold my mortgage and the new company had me locked in at a rate 3/4 of a point higher than what I was originally quoted. Thieves!!!