KPP,
If she hasn’t provided you anything after 3 weeks “hardwork”, how could you turst her to close your loan in another week?
You should know that she was trying to take advantage of you when she suggested you to buy down the points. The more you buy down, the more she probably get from the lender.
Since you put over 20% down-payment, your loan can be approved and processed as fast as in one day or two.
I myself very appreciate HLS’ comments. If I were you, I would work with HLS. Your satisfaction is 100% guaranteed here – you know where to complain if not:)