How long does it take to do a typical refinance?

That is not an easy to answer as you would think. Right now,
we are locking in for 60 days. The reason being two-fold. First, with the rates
at historic lows, the lenders have received a record number of loans and thus,
creating longer turnaround times. Secondly, the new regulations regarding the
appraisal and disclosures of the GFE and etc, have made the process more time
consuming.

If you are going to refi, I would plan for a 60 day process.
We strive to close you asap, but we do lock for 60 days to protect the rate as
long as possible.

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