Our lender said we locked in at 3.3% and now he said he made a human error and didn’t lock it in like he said he did.

A common wall in a side-by-side structure should be block, brick, or some other fire barrier.  

We have found that property damage is common and tends to be expensive.

Very common in old house markets. 

There is no shortage of REI meetups, just make sure you don't get tricked into listening to a sales pitch (which is common, do your research).  

But that seems to be a fairly common ploy among scammers to convince you they're legit. 

@Benjamin Branson - this is a common issue in South Florida.

In my area old houses are very common and just the standard investment.

Your time figuring out how to do it yourself + cost of the software + risk of overpaying taxes due to your error + risk of overpaying taxes due to not using a more advanced opportunity + risk of underpaying and ending up on Uncle Sam's naughty list.

If so, it should be fairly easy to pinpoint which costs increased and determine if the increases are reasonable.One common way for closing costs to increase is if the closing date changes.