Being deceived by banks? Freddie Mac decisions, or not? Violation of Federal Law... I was advised to accept my loan in March 2008 at PAR rate instead of paying a point and receiving the lower rate, as I selected during my online application. The loan officer, Jon Beir advised that the best move was to pay the higher rate and refinance as rates were sure to drop and that since the credit union has low loan costs, this would benefit my situation the most. During the entire process, I continued to mention that the loan I was seeking... read full review »