Interesting, so reading previously some people said that after their reference called it was very shortly after that theirs got set to approved. Hasn't yet and since my reference hung up, I took the opportunity to call them back and make sure there was nothing else. The guy (different guy than last time I talked to ) said that at this point picture scan and then back off to CFO for approval. If nothing by end of month to call them. Buddy who went through prior said his was about two weeks when he did it about half year ago.