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None. I applied refinance of my current mortgage at Bank of America on XX/XX/2020. The application number is XXXX. I discussed and negotiated with loan officer XXXX XXXX and the timeline as below : XX/XX/2020 : Bank of America run credit report and received FICO score XX/XX/2020 : Bank of America provided loan estimate with no points, 3 % interest rate for 15 year fixed term. XX/XX/2020 : Mortgage is conditional approved. There is no loan estimate on conditional approval statement. XX/XX/2020 : Received closing disclosure. However there is XXXX points, which is {$5900.00} listed on it. Bank of America keep saying this point is always there. However, I never saw this point showing up on any disclosure before XX/XX/XXXX. I would not move forward if I know the loan has points since I