<prompt> Human: I went for a fast track refinance of a mortgage to go down 2 on a house I used to live in, but now rent out. They promised they could close in a month. Now we are 3 months later, and they are saying If you want to keep your rate, it will be 15day. I have no problem closing tomorrow, but Im still waiting for underwriting. They dont like the HELOC that is open but zero balance. I told them to close it. It is the same bank that holds the old mortgage, is offering the new mortgage, and the HELOCCurrently Im waiting for a call back from the loan officers manager. What should I say? Should I punt?  <response>: if they said they could close in 1 month and it has been 3. i would seriously look at another lender. 