I had been getting approach by other banks to refinance because I have 700+ credit score and the equity on my house went up $90,000 since I bought on 2009 with the lowest rate offered back then 5.375. Instead of changing banks I decided to apply at Desert Schools at Arrowhead, where I've been banking for many years, paid off a couple of car loans and they also hold my current mortgage loan since 2009. I'm very disappointed on the service this time, I am trying to refinance to a 15 yr loan with a 3.5% rate. I agree to the fees and I've been providing all the documents they ask for and I'm still getting the run around. I was told we could Close by 07/27... and now the people that was helping me with the new loan are out on Vacation until 07/28. Now I'm having to answer the same questions to different people that just took over for the week. They are again for the twentieth time asking me about why my over time was different 3 years ago!, when it's pretty clear on all my pay stubs and W2s that my pay has not gone down at all... but they questioning about the same stuff like if they don't want to let me close the new loan any time soon. I hold the same job for 8 years, Don't have any past due account... and they have all my car loans, checking and savings accounts for over 9 years. ... why can they refinance my loan to a lower rate if I qualify? ???.... is it just because they loose money or their underwriter is a retarded person that can't figure out that the reason my total pay for the year doesn't equal to last year's is because it's only July! !!.. are they really going to make me wait til the end of the year just to see that I was right and my salary didn't go down. ...????!!!!*&%÷×?