I last tried to refinance my house two years ago. I sent in the paperwork and nothing happened. I called the company and all I got was voice mail, none of which was ever returned. In short, nothing ever happened. It amazes me that I can get a credit card in seconds, but home financing is a whole nuther game. Anyway, I just sort of gave up and now thought I try again. I'm astonished at why they need my tax returns for the past four years. Past income has nothing to do with current ability to pay. I think some places just like to snoop. There's other things I don't think they need and some things they seem indifferent to that I think are relevant. In short, I'd be amazed if this ever closes. I don't feel at all good about it.