You folks don’t seem to understand that ‘banks’ are mortgage brokers.
They don’t lend their money for 30 years.
‘Banks’ don’t make the rules. Fannie/Freddie/FHA/VA make the rules and some guidelines are simply idiotic. I’ve rarely seen exceptions.
Taking fresh baked cookies to the loan officer or manager at the bank isn’t going to get an exception.
Standard guidelines are that the CONTRACT cannot state more than 60 days before buyer takes possession OR it’s a rental property.
You aren’t going to get a lock extension until March. Rates have moved up significantly in the last week and are not likely to go back down.
As stated above, the parties involved should be able to figure this out (cough!)
I know I could.
