Cash Out Refinance questions

[Adam Petterson]

I am currently in the middle of a cash out refinance on my primary residence. I am concerned that I haven't received any disclosures, a good faith estimate, etc. and I applied 3 weeks ago. I also feel like my loan officer is being very unresponsive, and I haven't gotten a solid date on my appraisal or closing yet (is this normal?). understand he has plenty of loans in his workload, but shouldn't I be seeing paperwork within a few days of application? My background is in commercial lending, so I don't know all of the rules with conventional mortgages. Thanks in advance

[Chris Mason]

They could technically charge you a credit report fee, maybe, but I've personally never been at a firm that deemed it worthwhile to chase people over credit report fees, or even had a procedure in place to do so. It's generally just considered a cost of doing business.