^^^I love this post above...it is exactly right. Find another lender. For some reason it sounds like they really don't want to do your loan....
FYI, saw a loan commitment once for one of my buyers that was from a lender I don't use. They showed me the commitment and it was pages and pages of conditions including conditions that were literally impossible to meet. Similar issue with delay after delay and no closing. They cancelled the contract, got their money back and came to me next.
Long story short, I sent them to one of my trusted lenders instead after I spoke with their previous loan officer and noticed he had no idea of how to put this loan together. They closed 4 weeks later on a different house in the same area and never had all those conditions to meet with the new lender. If a lender doesn't want to do the loan, they can find any number of reasons not to do it including putting in conditions that make no sense or are impossible to meet. [As an example in this instance the prior lender required city sewer and water to be brought to the house and yet the property is in a rural area of 180,000 acres where there is no city sewer and water. That is what I call an "impossible condition". ]
Lenders do have different underwriting criteria. It is possible a new lender would be much more willing to make the mortgage loan to you.
