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I am about to run out of the my 09-day rate lock on my mortgage refinancing. The bank people messed smth up and it took them longer than expected. They promised to set up a closing within 3 days before my rate lock expires but have not done so. I am calling my mortgage officer and she is not responding. What is going happen? Am I going to lose $700 fee for locking a rate? Am I going to start all over again in this process? Why are they avoiding me, does it behoove them it to let the rate lock expire?

Any help would be appreciated.

Thank you.