Refinance Amount with 2 Fed interest rate decreases

[Ben Hays]

Hi BP - I am currently refinancing my primary residence. Since I've started the refinance process with my lender, the fed has cut interest rates twice. I've emailed the lender to see if they can adjust my rate and they won't respond to that email but are asking me to sign and complete the refinance. Is it worth it for me to not sign and tell them to adjust the rate to take into account the 2 fed cuts? or will this delay the process significantly? I plan on cash out refinancing every 3-5 years to put that money to work as well.