BARNACLO HOME LOANS

I WAS PROMISED A LOT, DELIVERED A LITTLE. MY LOAN SITUATION IS A UNIQUE ONE, BUT I INFORMED MY LENDER I WAS NEW AT THIS AND HOPED HE WOULD HELP. I TOLD HIM I WAS SHOPPING FOR A RATE. THEREFORE, HE QUOTED ME A PRICE AT 6.125% WITH ONE POINT. I TURNED AWAY HIS COMPETITION. THEN HE EXPLAINED THAT LOAN DIDN'T APPLY FOR A TWO-FAMILY HOME. THEN HE SAID HE HAD SECURED ME A LOAN AT 6.5% WITH ONE POINT. HE CALLED BACK AND SAID MY CREDIT SCORE HAD LOWERED BY SHOPPING AROUND BECAUSE EACH TIME A CREDIT REPORT IS CHECKED, IT LOWERS THE SCORE. WHY DIDN'T HE TELL ME THIS INITIALLY? FINALLY, HE CALLED AND LEFT A MESSAGE WITH A 6 5/8% WITH TWO POINTS, WHICH I AGREED TO OUT OF FRUSTRATION. I SAT DOWN AT THE CLOSING AND ALL THE PAPERS SAID 6.75%. I CALLED AND HE APOLOGIZED SAYING HE WAS SURE HE TOLD ME DIFFERENT. THE AGENTS POINTED OUT IT WAS $6 DIFFERENCE A MONTH. BAIT AND SWITCH? PHONE CALLS THROUGHOUT WERE SLOW TO BE RETURNED.