[ss]

...refinance? i will have 43% dti (after the refinance) and applied from a bank to cash out on property I don't owe anything on. I applied around dec 18th and i have not heard back on whether i was pre approved or not. everytime i call the bank, the guy tells me it will take a few days and that he will call me in a day or two at the most. then he never calls and i end up calling him 4 or 5 days later and he says the same thing. i have asked twice now to deal with someone else at the bank and he always finds out and then calls me and says it will be 2 more days. i gave him my application info over the phone, but he has never asked for any paperwork. does it really take that long? does this mean i am not going to get approved? is he just being lazy?i have had the appraisal done by a different company, which the bank said they will accept. the loan is to consolidate debt and about 6k cash out