Ah, Louisville, former capitol of GA....A refinance can take longer if there are issues with your income, the appraisal, credit etc. Your area may also have been hit with lower values than the loan officer had anticipated and is trying to find a way of flipping your loan from FHA to Fannie Mae for example. Give your loan officer the benefit of the doubt. Obviously you picked him/her because of good reason. Call the person up and ask if there is anything you can do to assist. It's stressful enough that their income has been slashed by the feds. Be happy that you have a place to live. By the way, if you do have equity, now would be a good time to put it to good use for your future retirement since borrowed money is tax free. If you don't have equity, I can still help you start saving for retirement safely and without loss of your money. I live close to Jefferson County to make a trip and visit you.
Bill Polack 404-644-3295