wow, thank you for that meadandale, very useful information for someone in my boat.
this is only my 2nd time buying a home. the first time was in vegas, and it was such a breeze to get a loan. they ran my credit then BOOM! i had a loan. this was back then, and i’m aware that lending practices have become more stringent.
i think i’m going to take a couple points of advice, getting the documents i deserve and trying to finish this out. if not, i suppose as a last resort, i can finish directly with citibank. i’m sure i can find another home if this doesn’t work out, and like other posts have said, maybe it is a blessing in disguise for me to get a better deal.