Zillow Advice RSS: Discussion,Mortgage,Pacifica- CA http://www.zillow.com/advice/Pacifica-CA/mortgage/discussion/ Zillow Advice search results | Zillow Real Estate Should I switch lender for my refinance if I find a better rate/closing costs than my lock? http://www.zillow.com/advice-thread/Should-I-switch-lender-for-my-refinance-if-I-find-a-better-rate-closing-costs-than-my-lock/458061/ It's been 2 months since my lock. The lender's been dragging their feet. My appraisal came back much higher than the amount being asked for refinance. I get no update from the the current lender, but meanwhile I find another lender with better rate and closing costs. Am I allowed to cancel the current refinance process and switch to another lender? Will my appraisal be transferrable to the new refinance process so that I don't lose the money I spent on it?<br \><br \>4 replies Fri, 31 Aug 2012 08:33:00 GMT http://www.zillow.com/advice-thread/Should-I-switch-lender-for-my-refinance-if-I-find-a-better-rate-closing-costs-than-my-lock/458061/ 2012-08-31T08:33:00Z