I just closed a refi deal last Thursday. Smooth as silk.
High credit rating greases the path.
Credit ratings approx 800 for both of us has NOT greased the path. :(
I have a credit rating that makes me a minor goddess in banking circles.
I had a heck of a time getting a TD BANK loan to close last year. They just kept balling it up.
However, they kept my loan, as well as processing it. It was in the contract.
Many other friends closed and their loans are immediately freddicmacked or fanniemayed.
If God is good to me, I will be paid off in a year.