need refinancing help

I need some advice on refinancing.

Strange situation. My home is in my grandmother's name. But we want to refinance in my name only. (several reasons, family issues, credit issues, etc...). I know it can be done according to the law.

I went with a broker who is the broker to a family friend in Feb. (she is the one who told me that it is allowable as I meet all the criteria). Well, first company denied it because of the above. She said she had a second company lined up, but didn't get back to me for several months. She had family issues.

So she final got back to me a few weeks ago with the second company. She had to run the credit report and for some reason my fico went down. So rate changed from 4.125 to 4.25. We are locked in again. Well, two weeks ago she said the underwriting should take 7 days. it's been two weeks. I emailed last week to her assistant as she is going through family issues. Assistant said nothing yet. I emailed her yesterday and still haven't heard anything back. I wanted to close first week of June.

What do you think I should do? I am getting upset because really I should have been closed by now. Even at 4.25, it lowers my mortgage $200+ per month. Does anyone know if standard banks will do the refinance given the situation? Should I just jump ship from the broker? Will I owe anything since we are locked in? I am getting frustrated because I want the extra cash and hate people who don't respond promptly (former SB owner).

My closing cost were going to be rolled into the loan, if that helps.