A refinane is a complicated process which relies on many \"things\" coming together in an organized manner. It is now understood that many of these \"things\" are beyond your control (i.e. other lien holder\'s cooperation, etc.)and in my case became a hinderance to the total process. My \"minor\" beef is that after the initial client download of personal information (income & expenses) the recognition of a active HELOC loan should have raised some red flags,and a warning to me, the client, should have been passed on. The upshot of all that went wrong was an increase in points from .5 to .875 tied to loan rate extensions and the resulting fee increase of $1500 to me beyond the original total closing cost estimates. The eleven week start to stop refi duration can be pinned on WaMu/Chase. Hopefully my experience will be sited as soon as your loan rep\'s. learn of similar situations (subordination req.)with new clients and the warnings can be passed on.