No Settlement Statement Provided

[Sheila Nyandebvu]

I recently closed on a refinance conventional loan, and rushed through the closing as we were trying to use the funds to finance the downpayment of a purchase deal. A settlement statement was not provided or signed during the closing, and the fees disclosed had changed. I had been of the understanding that a Settlement statement is a mandatory document at closing. I have requested this issue from the lender and have not received a response. Is this normal practice not to sign a Settlement Statement or not to be provided one at closing?

[Nathan Gesner]

Quote from @Sheila Nyandebvu:

I believe the law requires them to provide a settlement statement 72 hours prior to closing, and you should definitely have one during closing.

Do you have any documentation showing what rate they quoted when you first applied? I would take your evidence to them and demand an explanation and possibly an adjustment.