Bank has not done appraisal yet, due diligence ends in 1 day.Do they have any obligation to reimburse us 4 money lost?
Lenders order appraisals through an Appraisal Management Company. These management companies then send the order out to their network. Once the appraisal order accepted, inspection is schedule and the report is delivered. Lenders cannot have direct contact with appraisers or employee them. So...

How long does it take to get cash if I refi?
Around 45-60 days