JPMorgan Chase Mortgage Complaint

JPMorgan Chase Mortgage department,

Conventional fixed mortgage Credit decision / Underwriting New York

I contacted Chase bank, my current mortgage loaner, to refinance my loan - about 2 months ago. I know I qualify for at least 1 % less than the rate i have now and also they wo n't quit taking escrow money from me on this loan even though i have paid off more than 20 % of value of the property - so i want to refinance ASAP. They gave me the rate and the terms I was asking for in conversation over the phone, but then sent me paperwork with a higher rate. It took them two weeks to correct this. The process is just dragging, they keep coming up with new papers that I 'm missing and that are delaying the refinance approval. I was told weeks ago that my application is with the underwriter and that 's the last i heard from them. Their lawyer and appraiser contacted me the - week into the process but i had to stall everything due to the bank 's disinterest and unresponsiveness. My locked in rate is due to expire in two days and they have not responded to my last - emails in the last 10 days. I want my lower rate now!!