Centex Home Equity Company It is against the law or should be / Centex loves my money, please help me Dallas Texas

Two years ago 11-03, I financed a house through Centex Home Equity, I put 26,000 down on a 131,000 dollar house, signed papers for a 30yr fixed 7% mortgage. When I got to the Title Co.to close, Centex changed the 7% fixed to a 7% ARM. Title Co. rep and I called the loan officer, she stated that she changed because in two years my credit would be alot better and I could refinance through Centex at a lower rate with no expense out of my pocket. Two years have passed (credit score increased 80 points) and I receive paperwork from Centex to refinance(all filled out, ready to sign) and Centex wants to charge $8520.00 for total est. closing cost. Not only have I made the payments for two years and only owe $102,500.00 Centex raises the loan amount to refinance $112,000.00, so with the original closing cost of $4,000 and now $8,520.00 to refinance and $16,706.00 in payments over two years, I am going to give Centex $28,000.00, for a fixed 7% loan and now I owe $10,000 more than when I started and put $26,000.00 cash down. Add it up! The love for money even gets better, My interest rate just went up to 10% Someone help me!!!!

Lawrence
Grand Prairie, Texas
U.S.A.