Mortgage application rights?We applied for a 15 year refi in late August. We still have not closed. The bank's representatives have been very slow to respond through this entire process - generally one to two weeks to get a call or email back. They said we now need another appraisal since the first is too old (done in October). That was the last straw and we checked with our current bank which is able to offer us a better rate and we will close by the end of the month. We had initially checked with them but their offer wasn't as good (remember, this was nearly 6 months ago). My question is this - has the first bank violated any of our rights? I would like to file a consumer complaint with our Attorney General's office so future customers do not get treated like this. Fwiw, we have excellent credit, 22% equity, and our debt-to-income ratios are fine. There is no logical reason why it has taken this long. February 01 2012 - Columbus00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.