I am so sorry to hear that your loan officer is giving you the run around. Did he send you your reports? do they differ in any way? If you are not comfortable then maybe its time to find someone else. I know that's heartbreaking to feel like your starting the process all over again and you were so close. You will know how to prceed when you have the reports in hand and can get a handle on everything. Maybe they just need a LOE. Can he take your file to a supervisor. I am so rooting for you. Please stay positive. My thoughts are with you.