I started the refi process with Bank of America in XXXX and still have yet to close a loan. After months of them dragging their feet to get things closed, they still have not completed this for me. It sometimes takes over a week for me to hear back from the loan officer. Since this has gone on for so long, my rate lock has expired and my patience has worn out. Since I have already paid them a appraisal fee, I 'm stuck with them unless I want to lose out on {$600.00}. This is refi is through Bank of America. It is actually a loan that they sold in XXXX and I am just trying to give them back the business. I had the loan with them since 2008. 
