what is the standard waiting time for loan approval?
An approval is only the beginning. We have lenders that can generate conditional loan approvals in 24hrs. However, many of them will re-condition your loan after you fulfill all of the initial conditions so you might as well have waited the 7-14 days for an approval you can rely on. The best is to go with a...

Can a loan officer lock in a rate without client consent?
Sounds to me like you need to talk to someone with a better knowledge for getting things done. Call Pacific One Lending @ 888-733-4224 and ask for Jean ext.199 or Eric ext.125. We will help you out and get you the service you deserve! We are in Southern California and would be happy to earn you business.

Refi
Have you tried contacting your existing lender to see what options may be available with them?

Is getting a reverse mortgage a good idea?
I think there is a great deal more that needs to be known about your situation in order to give you the best possible recommendation. If you would like to speak with an experienced professional please call 888-733-4224 and let the secretary know why you are calling and they will transfer you to a reverse...