Mortgage broker lock in rates, bait and switch

[Va Des]

Can the broker/lender lock in the rates on a mortgage loan without me explicitly signing the Loan Estimate/Disclosures? The lender I am working with kind of did bait and switch. He gave a Loan Disclosures/Estimate with credits but I found few errors on those docs. I asked him to update the Loan Disclosures document with the corrections, he did that but removed the credits ($1500) and told me that the rate is already locked in now. I never got chance to review the new Load Disclosure before he locked. I have not signed any documents so far. I did mention to him over email that I would like to go with 90 day rate lock and other clarifying questions. But did not expect him to lock me in before sending the documents for review. He did not even mention about taking the credits off till after he locked me in. 

So the question -> Can I still back out and go with the different broker? I don't like the way this person is conducting his business. I have not signed any documents other than exchanging emails/calls and sending documents needed to get the loan approved.

[Elise Marquette]

You certainly can back out and go with someone else. Nothing is official until you sign the closing disclosure at the closing. He definitely should have been more upfront with you about the rates and not receiving the credit. If you're going to back out do it now before the appraisal is ordered. If things get worse down the road after the appraisal is ordered, it can be kind of a hassle to get it transferred.