If a home is in escrow and due to close Sept 4, do I still have to pay the mortgage in Aug?
Yes, Unless you are ok with having your credit impacted by a 30 day mortgage late.

Can they prevent my 81 yr old grandfather from getting a 30 year loan?
The ECOA forbids credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or whether you receive income from a public assistance program.

Looking for 95% LTV refinancing in Polk county
Ok, I can help you. :)