It all started about four months ago with a letter from my bank offering to refinance our home.

We crunched the numbers, and with interest rates down it sounded like a good idea. The equity is pretty good and the value of the house is stable so we thought we could knock it out in no time. Wrong.

Now here we are into at least month four and Ive been stunned by the amount of nit-picking on the part of the bank.

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