Refinance taking too long?

[Salley Smith]

Hi there. I was wondering if I could get some advice. I initially applied for a regular conventional 30 year fixed mortgage from a conventional 30 year fixed mortgage of 200,000 3 months ago today. This was a simple refinance, no complicating factors. I faxed all my documents over within the first week or so, and was told that they had everything they needed. The processes has always been slow, with their electronic disclosures not working well, and they frequently tell me they need another document, or that I need to resend more newer paystubs. I disclosed that I was missing my boyfriends W2 from 2015 from the beginning, and 2 months ago they stated they needed a 4506T form filled out at that time, even though I already thought they had it figured out. They have re-requested the payoff summary multiple times from my current mortgage company, and told me not to pay my Sept or my Oct payments (which I paid anyway, thank goodness). Most recently, after sending me the final closing disclosures, they said they found an error, and the underwriter was requesting separate applications since we are not married. We have since filled these out, and now they apparently need the W2s from 2015, which I thought that they obtained 3 months ago. They say they are paying the fees associated with my rate lock, but I am worried. Is this loan ever going to close? Do I have any options to move it along faster? I am worried that I can't get a good rate with anyone else since our credit scores will be much lower because of the hard credit pull from 3 months ago. Any advice would be appreciated. Thank you. 

[Salley Smith]

You are right! I see here now that it says 1040 in tiny print on the form we signed, which is not good.  He hadn't answered as to why the 4506T form hadn't worked, but did say they are going to try to do an income verification instead. I can try your advice. Would you be worried about my credit score dropping? It was 719 in Dec, we closed the new home loan in Feb, no late payments or new debt, but down to 697 in July. I am worried I might not qualify for a better/ same rate with a new company, if the score has dropped from the hard pull in July.  Thanks again.