Lender over charging? Tips? Using your tax credits?

[Lacy Tilley]

Hello on property number 2 everybody! 

Using my previous lender which i feel may have been a mistake. This is the second time I have been "misquoted" or just "b/s'ed" about a charge that was immediately fixed.First loan (2 months ago)I was verbally quote 500 for appraisal then it went to 600, said some thing it was fixed.This loan was told me it'd be 700! (there working on fixing it now)but apparently if i had not noticed or said anything a correction would not have been made on there end. 

Also lend has talked about using tax credits to buy down points... but was i was initial told was the rate ex. 5% not 5% +1.5points

Has anyone encountered these suspicions things? 

Have you all noticed any thing else out of the ordinary that others should look out for?