We currently have a 15 yr FHA loan with Loandepot. We started a refi to a 15 yr conventional loan to remove the MPI. We finally signed loan docs on XXXX XXXX, 2015 and was supposed to fund by XXXX XXXX. We were told not to make our XXXX payment. To date, it has still not funded. I instructed them not to do an appraisal unless the loan was fully approved. An appraisal was done in which we paid {$390.00}. I finally made my mortgage payment as not to be in a 30 day late status with the credit agency. I have spoke to our loan officer as well as his manager and still can not get an answer. They have held us up from refinancing our loan with any other lender because we would have to pay out of pocket again for another appraisal. Also, we would not be able to get the interest rate ( 3.25 % ) which is what the interest rate was at the time we started our refi. I have never heard or experienced this action. I always assumed once loans docs were signed and notarized that the loan would fund by the date indicated. What can we do at this point? 
