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

  $75 is cheap insurance, and they are professionals.If you are on the front lines yourself, I would not say it is hyperbole that you are being reckless if you are not carrying concealed.   

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

No offense taken!