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None. XXXXXXXX XXXX closed on my construction to permanent loan on XX/XX/XXXX with an interest rate of 3.3750 %. XXXX sold my loan to Shellpoint Mortgage Servicing with my payments to begin on XX/XX/XXXX. On XX/XX/XXXX, I discovered that Shellpoint had increased my 30 year fixed mortgage rate to 3.6250 %. I informed both XXXX and Shellpoint about the change in rate on XX/XX/XXXX. XXXX told me that Shellpoint had evidently made a mistake. After many phone calls to Shellpoint customer service, Shellpoint has not responded to me directly to correct the problem and customer service continues to tell me the rate is correct. How can a company change a fixed 30 year rate without some consequences?