Attorney obtained a complete a dismissal of all claims against a mortgage loan servicer, on a 12(b)(6) motion. The case involved a mortgage refinance and Plaintiffs alleged that they were verbally promised a fixed rate loan and a lower monthly payment, but were presented with loan documents at closing that were contrary to the verbal agreement. The Complaint also alleged that Plaintiffs were charged a "Yield Spread Premium" as well as other fees that were "concealed and/or under disclosed" and which allegedly inflated the loan terms. In dismissing Plaintiffs' claims for alleged violations of the Truth In Lending Act and Real Estate Settlement Procedures Act (among other claims), the court found that Plaintiffs "failed to raise a right to relief beyond a purely speculative level."