How do holidays affect mortgage closing?
Some title companies are open on Holidays and if so they can close the mortgage if the lender agrees. The issue is your funding which won't occur during Bank Holidays.

Re financing thru HARP in texas separate property
I agree with the other lenders. Texas is a common law state and a divorce attorney in Texas will be the best person to answer your question properly.

high income to debt ratios
Chris,Without the full picture it's difficult to know if you could qualify for a refinance. I do offer refinance opportunities for up to 90% LTV under our Professional Mortgage Program and other Non-Conforming Portfolio Loans. If you have a Jumbo Mortgage then it could be worth refinancing. If...

I am interested in knowing if you can provide commercial down payment assistance?
This will be very difficult. Sometimes the VA will lend assistance to veterans. Otherwise possibly local governments may have assistance. The problem sometimes with getting government assistance is finding a lender that has experience and comfort working with such assistance. SBA would typically...