I applied for a home refinance in april it is now august almost 5 months later, i can not get them to give me a closing date for this loan The possessor has rarely contacted me and when i contact them they need more information, i have provided everything they have asked for in a very timely fashion. after calling today to find out when this loan will close or the return of my 500.00 application fee i am not getting any answers. Then the processor gives me some bs about you may need more income to qualify for this loan this is bs. if it took bank of America 5 months to figure out i don't qualify there is somethings really wrong down there. read full review »