We need to get PMI on our refinance. The loan officer has told us our monthly payments, etc., but we

Lenders are required by law to provide Good Faith Estimates in writing detailing exact payments, rates, PMI, etc within 3 days of loan application. If you have not gotten this, I would be highly skeptical of anything else the lender says or quotes concerning costs, rates, payments. The only reason NOT to provide the GFE is if you were promised a rate that is no longer available, if they were planning on raising your costs, etc. No GFE is the biggest warning sign for any borrower to watch out for, not be mention illegal.