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You will need to explain the NSF fee, the underwriter won't take a phone call from the branch manager, they only accept items in writing.
Most lenders won't have a problem with NSF fees as long as it's not reoccurring. If this was a bank error, then I wouldn't be worried.
Lender's require the last 2 months of bank statements for each account you are using to qualify, so at this point Feb/March would be needed.