Mortgage question: who sets the rate exp. dates?

I am in the process of refinancing with my current bank, Bank of America, and my rate is good for 60 days. Is that the standard for all re-fi's?

The reason I ask is b/c I will most likely not be able to close by my rate exp. date of 7/17 I have a HELOC with Citibank that needs to be subordinated and they are taking up to 50 days to process I am FURIOUS!!!! I am doing a no cash out, gov't refi through the Home Affordable program...it's the only way for me to refi b/c my house has dropped in value and this program doesnt require an appraisal. Basically all they have to do it sign a piece of paper.

Now b/c they are taking so long I am going to have to extend my rate which for me is $1k+ every 2 weeks...*** is the point of the Home Affordable program than??? The only thing that sucks about this program is you can only roll in $2,500 of closing costs and eveything else is out of pocket...not what I want when I have a baby due in 2 months.

I asked my loan officer if the banks know this is going on, why dont they make the rate exp. date for 90 days on re-fi's? Or is this just another way for them to make their money....customers having to pay to extend their rates?