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But in this case the loan officer I've been dealing with really doesn't give me the impression that the bolded part of your statement is true. That's what made me uneasy.

The loan officer has very little to do with the closing of your loan. Unless she initially made unilateral decisions about how to apply the new loan amount to your (1) old loan amount and (2) costs associated with the new loan, there are several other people (funding and escrow) who are applying the new loan amount according to hard closing costs (Section 800) and prorations (everything else).

These people rarely make a mistake, in my experience.
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