i hope things start to go smoother.

the one time i refinanced my house the loan officer called me and told me that i had taken money out of my home equity (he knew about it because i told him i needed to pay my property taxes). so he was like well you didnt follow directions. so i had to remind him. the reason i was refinancing so i could get an escrow account and have it wrapped into my monthly payments (to pay my property taxes). then what ended up happening was the bank paid it and i paid it so the money was returned to me. weird. (it was like $2,500)