Help. Someone. Please.
I am sure I am making this a bigger deal than it needs to be, but I am getting lost somewhere in this process.
5/29- initiated HARP 2.0 refinance. approx 3K in closing, 4.45 APR. Appraisal required and paid out of pocket
6/1- electronically consented to go ahead with loan
6/7- Received UPS from citi offering 0 cost refi with no appraisal fee. 4.25 APR
6/7- contacted Citi to see what the deal was, said to contact my current processor and they could handle everything.
6/11- received email back from processor saying go back to the other group and have them start the process if I was sure it was a good deal
6/12- went to number on sheet, they said go to my processor and have them cancel my current application then they could start the new one
6/12- $180.50 deducted from checking account from citi (cannot relate this charge to anything specific on my original GFE)
6/12- received call from title company that is working on title search.
What is going on and where do I go from here? I feel like I am getting the run around and don't know what to do. ARRRR!!!