Underwriters Are Mysterious

So I’m into the waiting game of wondering what the underwriters will counter-offer now… This process makes me think the loan officers are completely useless in the refinancing process. The loan officer can tell you almost anything, but in the end its the Underwriter who will dictate the terms…. (Perhaps it’s just more complicated for me because I have a HELOC in addition to my mortgage.) Still, it seems like there should be a more streamlined way to go about obtaining a refinance.