Awful expertise in that it laugh from a friends. First started refi procedure and you can waited Four months to have closing go out. It went on to operate a vehicle it while the below publishers was in fact very active having numerous people refi. A single day until the speed lock expired, they current email address requesting a-work confirmation file who would simply take at the least each week to have Time so you're able to techniques to them. ... immediately following an hour, We found a loan provider who not simply offered the same Interest rate, but got straight down closing costs together with my personal document to help you underwriter to own handling my closing inside 2 days.