Our refi (refinance) recap and ~~~completion

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First of all I'll be sharing the first two problems we ran into with refinancing our home with a different bank. I've shared these two problems before so if you read it previously I thought I'd make it easy to scroll down to what happened a few days ago if you prefer. That section begins after this marking ~~~. The first thing that happened was that the appraiser looked at similar homes in the low end of the selling price. That meant that our closing costs could exceed five thousand dollars. The bank suggested we contact a realtor to recheck similar homes which he did and he found several in the higher end of the selling price. The appraiser then had to rework the homes and he raised his initial appraisal $4500.00 if I remember correctly. Then we heard via the title company that the bank that the loan originally started with twenty years ago never discharged the loan. That means, I think, that they could say we still owe them money even though it was transferred to other banks since. Each time I called the originator of the loan I got a run around. I was passed from extension to extension but no one ever did anything about it until finally a few weeks ago when one person said there was no lien against us. At one point while I was trying to get to the bottom of this the bank I was working with mentioned something about contacting the registrar of deeds at our city/county. But then they said that wouldn't work. So when I heard there was no lien against our home I called the registrar. At first they couldn't find anything but after hanging up she kept looking and did find the discharge papers in the wrong file. She emailed me the discharge papers and I sent them in to the loan processor who sent them to the title company. ~~~~ We got the closing date for the loan which is later this morning, april 14, 2021. Two days ago another loan person called and said the title company wasn't able to get through to the company that I've been paying my mortgage payment to for a payoff amount. She thought I might have more luck with it. I got the run around with the mortgage company too but it only took about half an hour before I stumbled upon the right extension. I thought I'd try the payment option hoping to get a live person and have them direct me to the right department when I found that was the right department. The girl was helpful and got right on it and said we'd have the payoff sent to us before the end of the day. We had them within the hour. I want to jokingly ask why I have to pay closing costs since I did some of the work, haha. The one good thing we're saving on closing costs because it took three months to close so I paid extra in principle. Maybe I should get a job at a bank as a loan processor as I know more about it than I ever wanted to know before.