Columbus Day is Monday, October 8, 2007. Banks and Federal Offices (such as the Federal Reserve) are closed. County offices are open. So theoretically a transaction could record, however, it cannot fund on Monday. The Post Office is closed on Monday as well so that date may not be counted as part of your 3 day waiting period, if your refinancing.
My office, Mortgage Master, will be open for Monday. If you need anything, please conact me!