I also have been in the process of trying to lower our interest rate. We started in August of 2010 and were told in September we would be closing, then it moved to October then November, then December came and all of a sudden we now needed an appraisal done which qualified, we were told we were second on the list to close that was a month ago, it is now January 12, 2011 and we still have not heard anything. Our mortgage guy lives in southern ca, and we live in northern ca (why we got someone in the completely different part of the state I... read full review »