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I began a refinance adventure more than 4 months with Wells Fargo (they have my current mortgage as well). We have 50% equity in the house. WF did an appraisal and it came back at higher than we paid. Anyway, I have been receiving the run around for months now. I dont understand why this is taking so long. I feel like they are delaying in the hopes that I give up. We locekd in at 4.875% (no points), and I think they want is to just go away. Is it normal for a refinance today to take so long????

Thanks