refinancing a home

I had a very similar experience (as did two other members in my family). When I first applied for a refi I was told I would get an email with some information to fill out. Never got the email. Two weeks later I got a packet in the mail to fill out, which I filled out and emailed back. Was always told how important it was I do it quickly because my rates could change. So I did just that. Then the next three months were emails asking for more information. After multiple "final lists" I got annoyed and ended by relationship with Home Finance. I went to the lender I used three years prior when I bought my house and found out the interest rates were lower there the week before, which Home Finance did not tell me. I also found out that I was charged $425 for the home assessment fee but I qualified for a Fannie May program where I pay $75 instead. Home Finance never mentioned that. I am still trying to get refunded that money due to malpractice and fraud and the head of the company verbally agreed to do so. Sadly, he too lied and only credited me $65. I will be contacting the BBB about HFAmerica because there is even more that they did that they should get fined for, like sending paperwork for one person to the wrong house-oh, yes happened!
By the way, I am closing on my refi with Cardinal Financial in less than a week. Got same rate HFAmerica quoted me, cause I missed the lower rate while dealing with them, and I am closing in less than a month compared to their 3+ months.
Home Finance of America should be closed down because they are unethical and unprofessional.