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waiting to hear yay or nay for refi

13 years ago

the waiting is the hardest part, for sure.

i just don't get what the hold up is.

my credit score is less than it was last spring when i started the process--i'm told because we paid off a credit card and thus have more credit to spend now.

i make enough money, have plenty of equity, etc.

i have resubmitted a few forms twice, and was told i'd have my answer today. but it's evening and no word. i guess the snow has had an effect, so hopefully i'll hear tomorrow.

if this goes through, i have a locked in rate of 3.87 for thirty years.

i'm wondering if the bank is looking for a reason not to fulfill the loan at that rate. is that nutty thinking or what?!

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