I looked at the closing documents a second time.
For deal #1, I was scheduled to get a payment of $94,500 at the close of the re-fi. This included a charge of $753 for buying points.
For deal #2, my mortgage broker said, "Congratulations, I got you a better deal and saved you $1,200. No more buying points and I got the rate down from 4.56% to 4.50%. The points was worth $753 and the change in rate of 4.56 to 4.50 is worth another $550.
However, for deal #2, my amount due at closing went down to $93,800. I asked my mortgage broker why I was now getting less money at closing.
Instead of trying to explain the increase in fees, he said that I obviously didn't trust him and that I should look for a mortgage somewhere else.
Anyone else have bad luck with mortgage brokers? I feel like the typical customer doesn't advocate for themselves so mortgage brokers are used to changing terms and getting away with it without having to explain themselves.
Or maybe I am just a big A**hole?