Started loan processing on a VA streamline back around Thanksgiving. The originator kept dragging his feet. I had all documents to him by 5 December and here we are in January still without a refinance complete. So today I get another set of loan docs from him (different than the docs I signed in December) and there's a difference of over $750 in settlement fees and over $2500 in the total loan amount. This was for a 30yr fixed @4.25 to refi down from 5.375%. The new docs also show a completely different lender.
I feel like I'm being taken for a ride here. I'm active duty military, with an 805 credit score, who is at most 120% LTV (thank you LV housing market) on a house that I bought 3 years ago and I just want to make it more affordable if I can. Can anyone help me out?