For background, I am not an investor. I am buying a home for myself.

My situation right now: I'm about 4 days away from close, and my lender has started treating me very poorly.

My understanding is that this LO is also the owner, the CFO, and the bank of his small mortgage company. He also seems to own the document processing company.

I don't want to go into the nasty details, but he started off as unprofessional and then has devolved into some really psycho behavior, after I gave him some neutrally/professionally-worded feedback that he took personally. I thought I was being helpful, but he completely lost it for reasons unknown. His behavior is truly shocking. It's clear that he is dealing with some sort of emotional instability, as he sort of began ranting and raving at me about things that had nothing to do with me or my feedback, and other crazy stuff like making things up that didn't happen that I would obviously know weren't true.

There are 2 reasons this is upsetting:

1) He knows it will cost me to fire him. There is very little chance I'd be able to get an extension for another lender 4 days before close. To me, it is unethical to treat a customer horribly when they have no recourse.

And 2) I am scared with this level of unprofessionalism and instability, he will rescind or something for no reason. Seeing as I did absolutely nothing to prompt him to freak out, I'm in a position of worrying about whether I'll actually get my house.

I'm also just plain not okay with having been treated this way, naturally. I am very uncomfortable doing business with this person.

Since he funds the loan himself, my understanding is that he would personally receive all my interest payments over the course of the loan. I simply am not willing to keep having a business relationship with him, and I am willing to incur a little cost to refinance immediately after closing.

My question is, what are the likely repercussions to my refinancing, for him? I don't know what applies when someone is doing everything except servicing the loan.

Even though I feel he is behaving unethically, I still want all the information before I decide. Two wrongs don't make a right.

Any help here would be very much appreciated, thank you in advance.