Refi related: Here in NH, I locked in a 15 yr. refi the last day of Dec. '08 and closed in Mar. '09. During this period, it seemed the NH office that we were dealing with was woefully understaffed, which made responsiveness an issue. However, balance that piece with us obtaining a 15 yr. refi rate of 4.375%. Thus, I usually had no issue with having to make more calls than I was used to doing, in order to make sure things were tracking well. I did have to push to ensure that I locked at the above mentioned rate; again, one individual was being besieged with handling refis, and CCO had not yet gotten...