Justin,

Sorry to hear this is taking so long. The lender I use underwrites and funds their own loans, so the process takes about 2 weeks. What bank are you using?? Strongly consider going elsewhere, I would say.

Derek Bauer
Real Estate One

good morning...if it hasn't closed in six weeks, i doubt it will close in six months....i'd be glad to help.if you have a few minutes..i have done lots of fha's....thanks....bob mcclure- success mortgage partners- plymouth, michigan...

You are not alone my friend. Here's what's going on. Remember when loans were given to people who could prove they could fog a mirror? Then those people defaulted. Companies shut down, people lost their jobs and the economy went down hill. As a bank, they have to keep a certain amount of profit and they're scared to death if the economy does another one of those. So, they won't hire more people. Then, the rates dropped to an all time low and the refinance boom happened. Still, they won't hire more people. They understand that eventually, the refi boom will slow down (why pay more in unemployment etc).
So, now we have to look at who has your loan. If it's a big bank (Wells Fargo, Suntrust, BOA), you may be looking at a closing of up to 60 days. The loan officer should have told the Realtor after getting the contract, "We ain't (southern slang) closing for 2 months". Why? Because the borrower wants the best rate out there. If you go with a wholesale broker/lender that's smaller, their rates are a little higher, but you close faster. It's one or the other but not both.
Your loan is not in underwriting for that amount of time. It's sitting on a desk waiting to be seen. Underwriting takes a few hours. Then, it's conditioned for pay stubs, title issues, appraisal issues etc. It then goes back to the processor to get the conditions if any. Then it goes back to the underwriter. Waits 2 days to be seen and then hopefully is clear to close (CTC). Then it goes to the closing department and waits another 2 days to be sent to the title company for closing. I use a company that closes loans in 2 weeks. Higher rate though. Sometimes, that's worth it. I'm not licensed in MI, yet.