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None. I have a VA Home loan that was transferred to PennyMac Loan Services , LLC . On XX/XX/2019, we had reviewed my loan for a no out of pocket cost refinance. On the XX/XX/XXXX I began signing document to complete the transaction. There were some mistakes and they were going to to remake a document for me to sign and it was signed and passed to underwriting. I received 1 more telephone call wanting to confirm documentation for the underwriting on XX/XX/2019. On the call they stated that I would need {$5000.00} out of pocket for closing cost on the date of closing. I informed them that this was not correct! Your reading something wrong, This was supposed to be no cost out of pocket is what we had originally agreed. They said they would get back with my loan officer and he will be in touch