It's a relief to finally get our condo refinanced to a lower interest rate and one loan instead of the ARM we originally had. It took 4 tries. The first time, we were living in the condo, and we were so close to closing but they backed out. Then when we first moved to our current home, we tried again, with a different company. They too didn't want to take it. Last year we tried for the 3rd time and because it was just coming out from under water + the litigation, they didn't want to take it. Now the 4th time, litigation is over with (although the builder is now in the process of fixing the problems) and the condo actually has value, it went through!! So there you go. Don't ever give up.