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None. Mr. Cooper via Nationstar has engaged in a lengthy process in delaying the processing of my mortgage refinance. It is unclear whether this is due to negligence, incompetence, or malicious intent to perpetuate elevated interest rates. To my understanding they have thus far spent 9 months to complete a 30-45 day process. It is unclear whether they will complete the process. During this process they have lost documents, asked me to provide their own documents, lost track of insurance payments, misallocated insurance payments, asked me to refrain from making payments then beg me to make payments after misappropriating my escrow. I have spoken with XXXX XXXX, XXXX XXXX, and a man named " XXXX '' who called me on the phone to explain that there is nothing for Mr. Cooper to do becau