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

I started keeping a spreadsheet just to track what’s been sent and when. It helps, but yeah, the back-and-forth feels endless.

Honestly, that spreadsheet is a smart move. Here’s what I usually recommend to folks stuck in this loop:

1. List every doc you’ve sent, with dates.
2. Email your loan officer a summary—“Here’s what I’ve provided, here’s what’s outstanding”—and ask for a status update.
3. If you don’t get a clear answer in 48 hours, escalate politely. Sometimes things get lost in the shuffle.

It’s not always fast, but being organized and persistent usually gets things moving. The process is slow everywhere right now, but you shouldn’t be left guessing for weeks.