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Christmas Day and Sundays do not count as rescission days for your refi (assuming of course this is an owner occupied loan)
Your lender may not want to fund so to avoid paying interest over three day weekends?
Also, on a heavy funding month, sometimes the lender (if it is a mortgage banker) may be running low on their warehouse line and must fund the loans that have drop dead end of the year/month funding and closing dates.
Regardless of what this hang up is, your loan officer should be communicating with you why there is a hangup and when it may be resolved.
There should be very few prior to funding conditions if any... so it should take no more than a week... but remember these are the holidays...
Best of luck!
Prudential California Realty
Direct : 951-538-4126