We Are Refinancing Our Home and We Are Now Going into 60 Days Since We Filed the Paperwork. Why Is This?

refinancing

the paperwork. We expected the GFE. But have yet to have the appraisal completed in which we paid upfront. Also, we have to stay with our current mortgage holder because we do not have enough justice to go elsewhere or I would of. The company is dragging their feet to refinance us under Freddie Mac up to 105% of what is owed and what our house is worth. We refinanced our previous home years ago within 3 weeks we were done. What proceedings should I take? Any help would be appreciated!