Ernest
Your underwriter are a problem.
Your underwriter tried to get me to have cash and stocks and bonds to cover the complete loan. The loan to value was about 54% of the house value not until I said I would inform fair housing that you were trying to make me have twice the loan value did they stop. They tried to make my wife get a letter from her employer that she was employed even though the employer was listed on the last two tax returns and she is an R.N. and according to the last to loans I did as long as she was employed as and R.N. it did not make any difference how long she had been with her current employer because she was still working as an R.N. doing the same thing nursing. Since we own more than one house buying and refinancing is done on a regular basis by me. Everyone else was great and a real help but they are stuck with the underwriter(s).