Thanks for all the responses, nice to see I'm not the only one who had had to deal with this stuff. It seems that LA county is currently reviewing my house (and all others bought in the last 2 years) for tax adjustments. I'm keeping my fingers crossed. I'll find out in July. I didn't even think of the fact that I'll get the same upfront MIP deduction for the new loan that I did last year for the original loan. I love the affect my house had on my taxes.

One of my biggest complaints with the company I was dealing with was that there were errors in the application. He just kept saying that "things would be fixed in the final document" and that "these are estimates." It gets frustrating. It bothers me that both places have said that they can't give me final numbers until the docs return from the underwriters. This means no finals until closing. How am I supposed to compare without the actual numbers?

Part of my problem is that I'm a hard-wired people pleaser and I feel like I owe the guy I have been working with even though I know that it's all business. I just think I might feel better going with Wells Fargo.