HARP 2.0 is a great program, but different banks place certain limitations on what they will accept (called lender overlays). This means that even though HARP guidelines say you can do certain things (such as unlimited LTV) not all lenders do it. So your broker may have been forced to take the loan to another bank. They also may have switched it because rates have come down a little bit in the last 30-45 days. So they might be trying to get a better deal.
At any rate, 45 days is not an obscenly long time but it sounds like there is a communication breakdown somewhere. Your loan officer is not communicating well with you and seems to be pushing you aside. So if you can't get a direct answer on a closing date or if you aren't happy with the service you are getting then you may want to consider applying elsewhere.
I have access to a full range of HARP 2.0 products and we are getting loans closed quickly. So if I can be of assistance to you please feel free to call me at 313-622-7383 or drop me an email.
Hope this helps!
This is a refinance that should take 3-4 weeks all together.
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Senior Loan Officer
STERLING NATIONAL BANK
310 Crossways Park Drive
Woodbury, NY 11797