My cash out refi took 47 days and nearly killed the deal

Hannah Wright · 2026-04-27T22:20:03.699794+00:00

I was trying to refi my house in Austin last July to pull $30k for a new roof and some kitchen updates. The lender kept asking for more docs every week and my rate lock almost expired on day 45. I had to call the processing manager and basically beg them to close by day 47. Has anyone else had a cash out refi drag on this long with a local bank?

hayden_rivera5mo ago

Heard somewhere that cash out refis are slower than regular ones cause they verify more stuff.

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noah8805mo ago

Nah 47 days is pretty normal for a cash out actually.

4

abby1895mo ago

Forty seven days sounds fast for a bank that actually checks things.

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