I can relate Stanley. I’ve applied for a refi. The application process took 2 months with me giving the bank the same paperwork about 6 times,Now I’ve spent 2 years asking to be let out of a Time Share. They finally okayed my application and had me download an 11 page document that I have to sign and have notarized. And give them my only remaining copy of Dale’s Death Certificate. Why they need that I’ll never know.