When I refinanced (we're not D) we signed the papers at home. I didn't have to go into the bank at all. I was refinancing with the same bank so maybe that made a difference.
They must have this situation come up, ask them what's possible.
Me 57/H 58 M36 S 2.5yrs R 12/13
Let me give up the need to know why things happen as they do. I will never know and constant wondering is constant suffering. Caroline Myss
