Congrats to you!!!
My LO told me I needed $800 to close, the GFE that I got in the mail said $1,250. I got this the day before the underwriter denied the loan because I only had $1000 in the bank account that I provided to them. (That's a whole separate story).
LO had to get mgmt involved and they overturned the denial....but was still told I needed $1,250. I had the funds just not in that account, and I was too pissed with them to extend the process by fighting it. I went to closing fully expecting to pay $1,250 because I was not sure what the HUD document was telling me.
I ended up paying only $245. My LO said they adjusted the credits which brought my closing costs down by $1K.
I'll take the $$$, but I don't ever want to go through the mortgage process with a big bank again.
I feel you, I went through 3 banks before I turned to a Mortgage Broker earlier this year... one of the banks pulled my credit 3 times (once per month) even though they denied me after the first pull (i had some inaccurate info reporting). One of the banks, the one that issued the pre-approval, denied me after I was under contract. the sellers bank pulled my credit twice, just to take a look to see if they could help me, but they offered no help, and no advice.
The mortgage broker pulled my credit like 5 times, but they finally got me approved and my loan was sold to wells fargo.
It was a nightmare! I walked away from that closing with over 15 hard inquiries on each report...