I Started a refinance on April 10, 2009 was told I pre qualified, and was then told I needed to pay 750.00 fee up front for application but I would get most back at closing. I locked in a great rate and was promised I would closed definitely within 3 months. It is now August 15th and NO closing in site, in fact all I get now is well they really don't like the way your loan looks let's go for a lower cash out ...ok and also after the processor looked it over there were mistakes on their part like putting in more debt then I owed out so it looked bad on the loan, after all was fixed I was told it looked good, everything was fine and then again finally after trying to reach the processor I am told again the UNDERWRITER JUST WON'T SIGN OFF ON THE LOAN AND SHE DOESN'T UNDERSTAND WHY She will give it to her supervisor, (this already was done 2 x before). On Tues August 11, th I was told to call Wed August 12, th at 12:00 I called at 12:30 and called and called WED Thurs Frid to no avail...and here I am at the mercy of the BANK waiting and being pulled like a YO YO on a string yes the loan is good, No the loan is NO good, Yes the loan looks good it is approved by the Automated system w/ the #s but the Underwrite won't sign? and last she said let me see if it get's approved by the automated system can the Under writer reject the loan. (added note) I needed to consolidate a couple of credit cards, and do some home repair. I thought the banks were supposed to be helping the People? What happened to this Country ? To helping the Middle class hard working people trying to stay afloat?