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Waiting forever on my refinance loan approval—is this normal?

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drummer742510
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(@drummer742510)
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Honestly, I feel you. The waiting game is the worst, especially when you’re trying to budget and plan ahead. I’ve had lenders go radio silent for days, which just adds to the stress. Pushing for updates does help, but it shouldn’t be this much work. Hang in there—it’s frustrating, but you’re not alone.


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archer83
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The waiting game is the worst, especially when you’re trying to budget and plan ahead.

Tell me about it... I swear, waiting on lenders is like watching paint dry, but with more anxiety. I’ve had deals where I thought the underwriter just went on vacation mid-process. Sometimes I nudge them every couple days, but honestly, it shouldn’t be this much of a hassle. I’ve noticed things usually pick up after you start making noise, but yeah, it’s a headache. Hang in there—eventually, someone always answers (even if it feels like forever).


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mochae19
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Man, I remember thinking my lender had just ghosted me during my last refi. It felt like I was sending emails into the void—like, did they forget I exist? I started wondering if there’s some secret “ignore” button on their end. In my case, things only moved after I called and got a bit pushy. Not sure why it has to be this way, but yeah, the waiting is brutal.


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(@jfurry22)
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I totally get that “void” feeling—been there. What helped me was keeping a running checklist of every doc I’d sent and every step I’d completed, so when things stalled, I could reference specifics when I called. It’s weird how sometimes just being organized and persistent gets things moving. Did your lender ever explain why the process slowed down, or was it just radio silence until you pushed?


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sonic_wanderer
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Yeah, I’ve run into that wall more times than I care to admit. Here’s what’s worked for me:

- Make a spreadsheet with every doc, date sent, and who you spoke to. Lenders love “paper trails.”
- Don’t be shy about calling every few days—polite but persistent.
- Once, my loan just sat because someone was on vacation... nobody told me. After I pestered them, things magically moved.

Honestly, sometimes you gotta be the squeaky wheel. I swear they wait to see who’ll actually follow up.


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