That is basically what I sent her back... that I wasn't being difficult or trying to make her mad, but I wanted to know what it was about before I signed anything. She is saying that it is some kind of waiver that she is trying to refi to get a lower rate. I know why she is doing this... We had bought a faily expensive vehicle right before all this was happening. With the mortgage, the house expenses, and new vehicle payment, I don't think she can afford all this w/o trying to refi house to knock a few hundred bucks off the monthly payment.

I feel like I am in a hard place because she is trying to make things easier for herself... But this was her choice. I, in no way, wanted any of this. Am I being difficult by not wanting to sign anything to, in her words, "hold up or delay this for her".?