They think they can close before the end of the month as long as they have all the documents. I just sent them a boat load of stuff, so that shouldn't be an issue. Its a slightly higher rate than what I was doing at "that other bank", but we have to pay a lot less in fees and don't have to pay our loan balance down at all. I can't tell you how happy it will make me to tell the loan officer to shove it. So far Quicken has been awesome--I appreciate the suggestion from all the GBCNies!!!