Depending on the details (rate, term, etc.) of your current mortgage it might be a great time to refinance your mortgage.  Interest rates are at RECORD low levels. 

And...apparently, a LOT of folks have figured this out as the refinance market seems to be BOOMING right now.  Loan officers are busy as can be, some appraisers are finding that it takes them longer to fulfill appraisal requests, closings are being delayed.

So, if you're doing something as straightforward as buying a home, and needing to get a mortgage - be forewarned that the financing part of the home buying process might take a bit longer than you'd like or expect.

Appraisals might take longer to get back to the lender.  It might take a few extra days for appraisals to be reviewed by underwriters.  The underwriters might need a few extra days to review your file and get you to loan approval.  And on, and on. 

My best advice is to work with a local lender (just ask, I have recommendations) and then follow up with them regularly to make sure things are still progressing as planned and that you are on track for an on time closing.