On XXXX XXXX, XXXX, I applied for home refinancing online with Americash. The loan officer said that if my loan is approved, it would take no longer than 45 days to close the escrow. I submitted all the paperwork they requested and I paid {$39.00} to send the documents by XXXX overnight on XXXX/XXXX/XXXX. The loan was approved a week later and more documents were requested which I promptly provided. I was approved for {$510000.00} to pay off my XXXX mortgage, my second mortgage, and my student loan payable in 30 years at 4.25 % interest. On XXXX XXXX, XXXX, the loan officer said that my debt to income ratio was too high and that I would need to have a co-signer for the loan. My daughter agreed to be a co-signer. The loan officer also modified my loan to pay off {$6000.00} that I owe on my credit card from the previous month. The new loan came up to {$520000.00} payable in 30 years at 4.375 % interest. More documents were requested and were provided promptly on the following business days. On XXXX XXXX, XXXX, the loan officer called me up and said that my loan refinancing is being put on the back burner because there were many loans that have priorities that need to close before the end of the year. Finally, on XXXX XXXX, XXXX, I got the final approval from the loan processor and she said that the earliest we could close the escrow was XXXX XXXX, XXXX I made an appointment with the notary public to come to my house after work on XXXX XXXX. The papers were signed, sealed, and delivered. The loan was scheduled to be funded on XXXX/XXXX/XXXX. The loan processor requested my latest XXXX pages bank statements and I sent the statements to both the loan officer and the loan processor. I even provided a copy of a canceled check and deposit that they requested. That was ten days ago but the loan has not been funded yet. 
