Closing Document Discrepancy? Need help please.

[Michael Greer]

Hello everybody,

I am newer, so please be gentle.

I am cash out refinancing an investment property.

The cash-out-refi bank that I'm going with came back with a pay off loan estimate about $5000 higher than what I'm pretty sure I owe.

I contacted the mortgage holder and got my own pay-off letter showing I owe $128k on the property.

This cash-out-refi bank produced closing documents stating the payoff is $133k.

I asked about it and they changed the numbers back to $128k without explanation.

Is this common? I'm no genius, but it seems to me that $5000 would have gone to someone else but me.

Am I wrong?

Thanks in advance!