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None. On or about XXXX XXXX , XXXX , I received a phone call from XXXX XXXX , a loan officer with my existing mortgage holder , First Community Mort gage. He wanted to chat with me about refinancing my loan and emphasized that there would be little cost to refinance. He also asked if I would be interested in folding in my 2nd mortgage as well. I told him yes, so we go the process started. He sent me the proposed terms as follows : 30 year fixed at 4.375 % with XXXX points Total cost financed with be only XXXX , which with the skipped payment and savings are recouped in 4 months. Payment with Tax and Insurance will be XXXX per month. This loan will payoff both the first and the second loan and will save you XXXX per month. As per our conversation, if you took that savi