Congratulations! And you have given me some hope 
What type of loan did you get? We may be out of luck because I think we have to go conventional, but we recently discovered that my husband's report has late student loan payments we were not aware of. He scheduled a payment in Feb that somehow did not go through and we never knew, kept on paying but we were 2 months in arrears and now slammed with late reports they will not remove. We are under contract for new construction as well and also using the preferred lender (not the same as yours...). We have decent credit, my fico score is probably 710 or so, my husband's was there before this happened and is now looking at a 650 or so. LO should tell me tomorrow if we can get his score high enough by paying down credit cards to get PMI but I am not holding my breath. Unless you tell me you got a conventional loan with those scores and credit history
I honestly have no idea. When this all blew up on us a week ago and we told her the student loan company was unwilling to remove the late reports from the history she still somehow fought for the builder to extend our contingency until this Friday. She asked us to provide statement saying the account was now current and said from there she would see if we could pay down cards to bring the score up. I don't know why she would tell us there is still a chance and put that extra time on the contract if she didn't think anything could be done. But who knows. She also is extremely difficult to get a hold of. I am going to call stupid ACS again. This sucks
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