Dear Bizi,
This stuff is stressful.
I'm sorry that you are feeling upset.

With our loan they lowered the interest rate a little and then charged us a fee to do that at closing. We ended up paying the same amount over the life of the loan as we would either way. (Actually, I did not point this out to hubby. Apparently he did not read over the paperwork as carefully as I did -- he was only focused on the interest rate.)

My point is this is hard to deal with. Realize that this is difficult.
And no, the banks are not being nice to people even though we are paying them.

It's going to be ok.
I hope Jeff can help.

M.