Three weeks actually sounds pretty reasonable for a cash out refi in today's market, considering appraisers are swamped and lenders are understaffed. That missing form thing is annoying for sure (and I get why you'd be frustrated), but honestly the burden is on you to double check every single document they send. Lenders send out a ton of emails and it's super easy for something like an access form to get buried, so a three week turnaround still beats waiting two months at some other banks right now.

I mean yeah, the weight thing caught me off guard too. Last year I swapped some aluminum caps for heavier ones just hoping they'd stop rattling in the wind, and the next thing I know my gate posts stopped shifting in the mud.

My buddy Mike went through this exact same thing last year with his Samsung TV. He was trying to watch One Piece and thought the streaming service just had terrible sync issues, so he spent a whole Saturday messing with his router settings and reinstalling apps. Turns out his TV had some "auto lip sync" feature deep in the sound menu that was actively making things worse. He found it completely by accident when he was just scrolling through every single setting out of pure frustration. The funniest part is he told me he felt so dumb afterwards because the fix was literally one toggle switch. Now he tells everyone who buys a new TV to check that setting first before they even try to stream anything.