Congrats, Reesha. I can't even imagine raising that much. In fact, I can't imagine raising any money, which is why I don't do charity rides.
The mortgage stuff... we just finished a refi on Tuesday. It was all done on line. In the process, we got asked about a million times to send documents that had been sent the minute they had been originally requested. They kept asking us about where to send the check to pay off our second. Duh, we paid that off ourselves before closing and the refi had nothing to do with that. Let's just say DH had plenty to say to the customer service rep.
Our credit is just about perfect and we had no trouble getting the loan. They just treated us like stupid sh*ts once we were in the process.