Refinancing for a lower rate, not hurting, but it would be nice. Began process in January of 2009. It is now April 9th and I am told papers are ready for me to sign. But, the Estimated Closing Statement I got two weeks ago, and the one from today do not match - even close. Aside from teh additional $750 in costs, they now demand to pay 2/3 of the cash out ($18, ooo) to my student loans. Seems to me, they would have known that as a condition two or three months ago and it would have been on my closing statement of two weeks ago. Every two or weeks they have something new to demand. It seems that the lender (Countrywide) at the last minute decided this new demand. I would not be upset, if this was disclosed say TWO MONTHS ago! It is like they have never done this before and are all scanning books to find out what they can do or try. I have been jumping through hoops to met every demand, but on the day to sign they come up with more costs and demands? They are using pressure to force people into these fees and terms. I am thankful that I am not hurting and was able to cancel doing business withthem, but I would be wary for others. I think this more Countrywide than Advantage, but arent they supposed to be the ones checking and monitoring? If the banks are bailed out, why are they keeping the cash? I have an 829 credit rating and the only debt I have, aside from my house, is the $18k in student loans.