Yes, what I signed was closing documents.
The documents were provided by an ESCROW company. And the ESCROW company also charged the check I endorsed for closure fee. Without any doubts, that time I also thought the ESCROW should be closed. Our finance and employment have any change,since we started refinance with the banker. The banker can set up its approval criteria and requst all documents at the very beginning of loan application from its clients. However, as long as the banker reviewed and accepted all documents, it should not freely change terms only for its own needs. I am not a professional in finance, however, I don't think a banker has unlimitted rights to break a signed contract only for its own benefits. The key is that the banker wasted our precious chance to get a low-rate loan.
Thanks a lot.