I got screwed on a loan by a friend. Basically I got no good faith estimate and he slid in a point which in the past he advised me never to do. He also used one of my signatures without my permission to gain an additional commission by placing my signature on a form. I had to sign docs because the house was closing and it wasn't presented until the last minute.He also was present at the closing which I thought was odd. The mortgage company he worked for is closed.