why are you messing with me

As some of you know, we have been trying to refinance our house. it is going to help us a lot because we are going to be able to drop our interest rate 1 hole point. works out to a substantial savings. the problem is that the bank keeps finding ways to mess with us. we started out trying to get a cash out refinance, but sense the housing market has crashed our house isn't worth enough to get any money out of it. so then they say, oh we forgot and you need to pay us $400 for sldkkjfiuvnsdvasdv! there has been one delay after another and our locked in interest rate is about to expire. then on Friday, we were told we might need an additional check for $380 to cover some outstanding closing cost that cant be covered by the lone. it all depends on what our final mortgage pay off ends up being. finally after all that we got every thing ready and set a closing date(today). called this morning to be sure every thing was ready and to get some final numbers, only to find out that there has been a hold put on closing because they are waiting for a VOE(verification of employment) to come back from my employer. so i called the HR department to find out what the deal was. i spoke to the person who does these things. she told me that this very important peace of paperwork, that has to be done so we can close today did not get delivered to her until yesterday. and i came by fax not through the regular mail. she was out sick yesterday, and she doesn't usually do the VOE's until Tuesday or Wednesday any way. i told her my situation and asked her to please please please try to expedite it as i am supposed to close at 2:00 this afternoon. she said she would. that has been over an hour now and i still haven't heard any thing. i hope no news is good news, but with the way this thing is going i some how doubt it. why do they have to mess with me. i just want this over with.