We have refinanced three times over the past 5 years (including a year ago with Box). We received data requests that were not required in the past. My wife was asked to prove her identity even though her SSN matched between the W2 and the Income Tax Returns. We were also required to provide full Income Tax Returns due to an immaterial $1200 loss on my Schedule C.
I had offered assistance with our insurance agent a few weeks before closing. The offer was declined. At the last minute, we had a large change in the escrow insurance amount. When this was brought to my attention, I asked the processor to get back to me if the amount was not reduced. The amount was not reduced but I was notified that we were ready for closing. This created a problem because, even though, I had cushioned my payment account, the escrow figure was slightly greater than the amount I had reserved. My wife almost had to make a two hour trip at the last minute to move a small amount of cash between our accounts. Luckily, the estimate was a bit high and the final figure was within the amount I had reserved. However, I was not given adequate time to review the final escrow amounts.
We mistakenly set up the loan for impounds. When discussing the impounds, my wife found the agent was argumentative and he made statements that were not appropriate for someone responsible for customer service. The agent also made comments to me regarding a phone conversation that he was not involved in.
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