If you are taking money out - you should have an appraisal done.
It can take up to 3 weeks - especially NOW that so many foreclosures are happening - underwriters have to make sure all the t's are crossed and all the i's dotted.
You should have been given a Good Faith Estimate that detailed EVERY charge, etc. for the refinance. That will also include an Approximate Loan Cost Illustration that breaks it all down for you as well.
I would ENSURE that it is NOT an ARM but a tradition Fixed Rate. ARMs may look good - but many forget about the balloon payments due.
I would not go through a broker. I would go through a bank or credit union. Deal with the people. We have Wells Fargo. We've been with them for 16 years.
How much do you need to bring to the table to close?
Can I have the fees wrapped into the loan so I don't have to bring money to the table to close?
What is the interest rate?
How long is this interest rate locked in for?
What will happen if the rates drop - can I get the lower rate?
Ensure that your rate is LOCKED. This means when the rates changed, you will NOT be affected.
I know there is more to ask but my brain is fried!!