After paying my mortgage on time without question for years, I decided to refinance to a 30-year fix, 4.5%, interest and principle mortgage. Two years into my refinance (with CitiMortgage) I had my mortgage lawyer friend look at my refinance paperwork after hearing about all those automated underwriting issues to see if everything added up on my refinance. Well, to my amazement, he caught CitiMortgage in a bunch of TILA violations. So I stopped paying during my right to rescind I filed, then they came back with an apology after trying to foreclose on me for not paying, and decided to drop my interest rate down to 1%, 30-year fixed, interest and principle loan, and also drop the principle down to current market value. Once everything is all finalized, I'll be paying about $700/month for my mortgage instead of $2000. Worth looking into if you think your mortgage company may be in violation of TILA. It's legal for you to do and not in any way looked down upon because they are in the wrong and it's a way for you to put them in check.