Federal offense up to 30 years in prison and $1,000,000 fine.

I am glad you didn't take offense as that was never my intention.

@Chauncy Gray No offense, but it sounds like you had little to no idea how interest works in the first place.Each lender is required, by federal law and prior to closing, to give you a document laying out exactly the findings you made with your amortization calculator (a Truth in Lending document) .

No offense, but it means you think you know what you are doing.

I see this type of offense all the time and people always have an excuse as to why the rules don't apply to them...until they do apply to them.

No offense, but they might have gotten the impression that they are calling the shots with that kind of behavior (“being good to them”) on your part.

Quote - “A situation in which a person providing a good or service does not seek payment from an insured of the amount of his insurance deductible does not constitute a criminal offense under section 27.02(a) of the Business and Commerce Code.” - End Quote

The can be nothing, or they can be offensively expensive.

No offense taken!

Her background came back and her credit score is bad at 526 ... she makes almost $50k, no evictions, lived at her last house for 7 years (3 years with the one before), has a lot of deferred student loan debt that was past due, four collection accounts totaling $3300, some charge offs, one DUI offense from 2016, but her active credit cards are all paid on time.