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None. I applied for a refinance with Quicken loans in mid XXXX. I was told the terms would be 3.99 % {$100000.00} loan with 2.125 % points, with those terms, I agreed to put a " good faith deposit '' down of {$500.00} ( no one from Quicken told me that they could change the rates and terms after I put the deposit down ). Our appraisal came back at {$140000.00} and all of the sudden all rates and terms changed. ( I went to XXXX XXXX Mortgages and once again had an appraisal done 1 week later and it was {$160000.00}, {$37000.00} more! ). Anyway, Quicken changed my rates and terms no less than 5 times, even changing terms 2 times in one day! I thought good faith meant good faith by both parties. Their actions were not fair and entirely too confusing. Even my loan officer said she did not know