I attempted to refinance with Citi Mortgage, and I had a bad experience. I was assured I had received "final" approval for my refinance. BUT ... I had to fork over $250 for a "rate lock" fee. I did so. Then, lo and behold, a condition arose that had to be satisfied before closing. Specifcally I had to scrape off peeling and chipped paint from the outside of our home (it's an FHA loan). Hello!! We live in Erie and the winter is record breaking for cold and snow. When the h-e-double hockey stick am I supposed to do thi... read full review »