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I would say that it should take around 30 days for the FHA streamline refinance. Since you have all your information together from the last lender you should be able to easily give that information to another lender if you wish to do so. [self promotion deleted by Zillow moderator.
Once you've been preapproved, closing generally occurs within the rate-lock period you've chosen, which can range from 30-90 days. If I have a Wells Fargo mortgage and want to refinance, will I have to pay closing costs again? Yes. There are costs related to processing any new loan application; they can include fees paid to third parties, such as an appraiser, the title company, and other closing expenses.