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None. On XX/XX/XXXX XXXX and XX/XX/XXXX I spoke to XXXX XXXX on the phone regarding refinancing my current home mortgage to reduce the percentage rate. XX/XX/XXXX XXXX he sent a list of documents that I needed to submit. XX/XX/XXXX XXXX and XX/XX/XXXX I was asked for more documents and I sent them XX/XX/XXXX and XX/XX/XXXX I was asked for more documents and sent them XX/XX/XXXX I received the loan disclosures XX/XX/XXXX XXXX said We were finished with documents and they were good to go XX/XX/XXXX a mortgage company contacted me I didn't recognize them and I asked XXXX what mortgage company would be contacting me XX/XX/XXXX XXXX said " something changed '' and I received a list of more documents I was required to send for final approval. In the meantime I received a packet of papers sta