I applied to refiance my home on July 31, 2012. The mortgage loan application was delivered on August 8 electronicly with all paper work w-2, credit scores, and other documentation. I received my good faith doc. on August 21/23 apprisal information sent to loan processor. I still waiting to find out closing date. I've heard no question are good situation. The mortgage loan office stated it might be around September 14 -19. I have a credit score 713, loan to value on house is 45%, and front end debit 10% and back end date 29%. Is this normal?