We started this process at the end of February. We received a pre-qualification for $175K for an FHA loan. We found a home and went through the process of being preapproved (through desktop underwriting after turning in pay stubs, w2's, etc) before putting in an offer, the sellers countered and we eventually settled on full asking price, seller pays 2.5% of closing.
This is the timeline since then
3-4 Accepted offer forwarded to Lender
3-4 lender sends disclosures, estimated closing costs, payment, etc
3-7 all disclosures signed and sent back to lender
3-9 Septic, Foundation, and Home Inspection with WDO. Home passes with flying colors
3-14 lender advises well testing is required
3-16 well testing completed
3-23 sent completed engineering certificate (foundation inspection) to lender
3-24 sent competed well test to lender, lender orders appraisal
3-25 file goes to underwriting
4-4 Underwriting conditions come back, simple stuff. Last 30 days of pay stubs, LOE for large dep (401K payout from former job, sent in cancelled check) and LOE for job change last fall, disputes removal for 1 collections acct. luckily I learned through this forum that disputes should be removed so I did that last week and saved myself some time and money.
4-5 all conditions completed, processor says she would send everything to the underwriter "to have the suspend removed and see if there are more conditions" when I question the suspended file she tells me the job change worried them but we are fine, underwriter should have us an answer in 2-3 days.
4-8 sitting on the couch, binge eating, stressing, still no answer 
A little about us.
Home being purchased on husbands credit alone. Middle mortgage score is 667, 1 CC with a $50 balance, 1 old collection for $2100, had dispute removed but isn't paid off. No other bills. Income is approximately $55K with OT but they won't count the OT since its a new job so they are only using hourly making it about $39K. Purchase price is $170K, FHA loan 3.5% down, $14K saved so no problem with down payment and seller is paying closing costs. Estimated payment with P&I, taxes, insurance and PMI is $1170
Husband changed jobs last fall after 10 years with previous employer, new company is one of those amazing ones that only hires every once in a while. We knew we were about to start this home buying journey but we couldn't turn down this opportunity. Similar jobs and no gap in employment. No late payments on credit report since 1/2015 and that was a car payment that was paid off summer 2015.
Not hearing anything is making me nervous. Is there anything that looks like it may hold us back? LO calls this a clean file and says we have nothing to worry about, Processor says we look great and she doesn't see any problems but I can't shake this feeling that it's too good to be true. Any advice, reassurances or warnings appreciated. I'm giving myself gray hair over here!
