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None. I signed an agreement in XX/XX/XXXX to buy a XXXX home ( XXXX XXXX XXXX XXXX va XXXX ) Lot # XXXX . Community name is XXXX XXXX . At that time they told me that the house will be completed by XX/XX/XXXX , but it is still not completed as of today. Anyways meanwhile i started working with NVR mortgage for my loan approval and this is their own mortgage company. The loan officer send me an loan estimate on XX/XX/XXXX . According to that my interest rate was 3.50 %, loan amount XXXX , and cash to close was XXXX . Then he sends another estimate and then finally on XX/XX/XXXX they send me a closing disclosure, according to which my interest rate has increased to 3.875 % and closing costs to {$12000.00} and loan amount remains at XXXX . I tried to call the loan o