I hope I do not regret this move but I am now on 65 days into my refinance and have not closed, I was told it would take about 30 days!!! I send in everything I am asked then someone else will ask for the same paperwork so I refer them back to the first then I find out he no longer works there and my paper work is in limbo. I feel like canceling but would hate to start over. Let's see what happens in the next 4 days which is suppose to be sign paper day, then who knows how much longer!!!! Will not recommend,