I will try to make this short. In late November 2010, I started the process of refinancing my condo. Everything together and signed returned to bank etc. and I was to close on January 31st, 2011. It was given to the Banks Lawyer I believe early January could have been late December. My question is because this does not sound right but I didn't hear from the lawyer so I called, and what I was told was that it seems the original loan in 1994 was not signed off, mind you I refinanced with the same bank different lawyer about 2003 and this was not an issue, I called the other lawyer at the request of my current lawyer to find out the problem and why it didn't happen when he had it. He said different laws now. Meanwhile both lawyers going back and forth with each other and trying to get in touch with the lawyer I had when I bought my condo in 1994 to fix this problem. I had an extension for February 28th and now another 2 week extension (reason being title issues) and I hope finally closing next week. I had to keep calling and was told I needed a 6d (bank said I did not need) at closing and certificate of insurance (the bank had) and they said the bank does not give them all the documents. So I said any day but Monday and they said Thursday, and I said Tues or Wed would be better and they said the Bank needs 3 day notice. OK I have common sense and it seems to me that they must of already had this date picked out. ALL of this has been so frustrating and I never went through this before and they said I was lucky because if I were to sell this would have been a problem which I think it should have been done the last time.
I hope you understand what I am saying, does this sound right to you or is it just me?
Thank you for your help

Back in 2003 there was a lot of financing and re-financing going on. Banks were eager to give away their money and there wasn't a huge amount of attention being paid to crossing t's and dotting I's.

After the crash of the real estate market and everything that went along with it, banks became much more strict in their lending policies and practices. It's much more difficult and time-consuming to obtain and close a loan now. Their underwriting and review departments go over every piece of paper with a fine tooth comb.

It sounds like the people involved in your last refinance may have rushed the process and a few mistakes were not caught. Those mistakes are being caught now and have to be cleaned up before you can close. Since they're actually at the point where they're allowing a closing to be scheduled it sounds like they've cleaned it up and you'll only have to wait a little bit longer.

So what happened isn't exactly common but it's not all that unusual.