Penalty for delay in the application of the bank for a mortgage rate lock?

I have a mortgage application with a large U.S. bank. I was waiting for the approval process is completed and the deadline to be determined. Speed ​​was a latch lock in the loan last April because of delays in the bank one free for 7 days with extensions. “Committed to point the controller of their conditions of approval can be met by the seven-day period of grace, and now they say I must pay 0.25 karistus.Kas points if they do so, I have options?

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