FHA Loan Refinance initiated on XXXX/XXXX/15. It has been almost 3 months and no one can tell me a clear status of the loan. I am told that it has passed underwriting but is in review by FHA. I called FHA and they claim that FHA does not review loans. The credit scores and loan to debt ratio are supposedly ok. 

I have been given at least XXXX targeted closing dates that come and go with no clear explanation. The people I was working with initially all have disconnected numbers. All efforts to escalate have not been effective 
