I hope you get it settled. We had a nightmare with one bank and at the last second switched to another lender which got me approved in something like 12 working hours. The original wouldn't even take my wife and I together. Then the original bank wouldn't give a payoff amount needed. They nearly cost us the whole thing. Needless to say, we are not fond of the system we encountered. It was quite funny (not really) when the reason stated for not getting the first loan was because we didn't qualify. Keep in mind we pre-Qualified for a $300,000 dollar loan and we were asking for much much less than that!