It has been over EIGHT MONTHS and our refinancing STILL isn't completed, after MONTHS of 'one more thing' or 'next week at the latest". The agent, Josh, is embarrassingly bad at his job. It's ok to not be good at some things and this guy, he needs to go in a different direction. The amount returned to us has changed since he took so long to get this done. We are almost done today, a loan officer called this morning saying they scheduled her to sign papers for this afternoon. I had no idea, the AMB did not contact me, but whatever, it's done right? Nope. They never sent her the forms. So there was nothing to sign STILL.