Cash Cow Funding Inc. DBA Double A Mortgages

I applied for a loan on an investment property. I was told to apply as a second home and it was confirmed with bank and underwriter that it can be done that way. After that rate and fees were locked and I paid home appraisal fees in the end of May. Closing date was set on 06/25. However, to my surprise 10 days before closing lender told me that rate and fees on the quote will change and now I have to pay >$2000 extra to keep same locked rate. That was communicated just 10 days prior to closing and I was threatened that I will loose my deposit if I do not go with this new condition. In fact, they charged my credit card for appraisal fees and NEVER sent me a copy. As per consumer financial protection bureau, I should receive a copy of home appraisal but it never happened. It seems he was trying to persuade me to take loan as second home but underwriter had objections, he came up with new rates and fees. He left me stranded just 10 days before closing date. He even threatened me that I will loose my deposit if I withdraw my application.