I work for USAA and I can rest assure you. That you are 1 in a million.
I prcess about 1oo loan a month. Some are easy and some are very hard and frustrating. It sunds like there was a miss communication between the originator, processor and management. Even more so a unexperienced processor.
#1. A good Faith Estimate is always collected up front no matte what. #2. You will be rufunded the Good Faith Estimate given that the loan completes the process and te closing documents are signed.
At any time that you might withdraw are be denied; once the appraisal has been done the will be no monies refunded back to loan applicant. #3. Loan applicant always pays for the closing until it is stipulated with the title company which in turn wil adjust he HUD1 settlement to reflect thatthe seller i paying the closing cost. That is the last part of the process and is not done till the end.
Now, I can not remember off the top o my head all the requirements are disabled veterans. But if there was miscommunication and mistake was made on our end, I do apologize.
Product or Service Mentioned: Usaa Loan.