REFINANCE-BOASOMEHOW BOA doesn't sit right with me...I am already in the disclosure process - should I go elsewhere? My home is worth 400,000.00 -BOA HARP REFI @ 3.675 %. I OWE 276,000.00 and will have to Borrow 290,000.00 save 500.00 mo payment reduction from 2715.00/mo...somehow the paperwork is overwhelming as the bank farms it out to oops reps. would rather sit down with loan officer or at bank location. I fell I should be getting more savings... good credit rating, Fannie may owned, all papers are in order...same bank I have been paying mort with. why the 20000 more to borrow and why can't they do better on the monthly savings... my home is mintFebruary 15 2013 - Yonkers0YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.