Three Months Into A Refi Process From &*(^%

Three months into a refi process that should have taken 2 weeks.  Involves one dealyed clsing and two bank cancelled clsings.  Most issues involve unwarranted requests for insurance coverages or loss payees.  For example they are insisting on HO6 coverage of 20% when Fannie Mae regs clearly indicate that is no longer necessarily required under HO6SVC-2011-23.