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None. In XX/XX/2020 I started a refinance to lower my interest rate. I was told that I would be able to miss 2 months of payments, which was to be XXXX and XXXX and get back the {$2600.00} that was in my escrow. Because I was promised these financials I agreed and continued on with the process. As mid XXXX approached and I did not hear anything I called and was told they were waiting on the title company. I did not trust the fact that I was told that I would not get a late fee if I did not make XXXX 's payment and was not feeling very secure with what was going on so I paid the XXXX payment to stay in good standing of no lates with my mortgage payments. Finally when I called again towards the end of XXXX I was told that Someone from a title company would be contacting me for closing. I did