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None. i contacted my mortgage lender Penny Mac to do a refinance. i was told the process was going to be easy. i gave everything to them upon request and set up the refinance. i was given a refinance date & was told not to pay my mortgage until the refinance was complete which was supposed to be set up before it was actually due. in the process the lender i was appointed left on vacation. therefore he missed the refinance date. i then spoke to his manager & was told my lender was " in training ''. so i called back later just to find out, through his voicemail messager, that he was officially on vacation for a week and would not return until the following thursday. i then got back in contact with his manager to ask why he lied and to check the status. he then proceeded to tell me that what