@Anonymous wrote:We were referred to this guy because he is a specialist with VA loans using bad credit - my husband's. I have pretty good credit thanks to this forum.
I guess I'm just confused because I was told my earnest money would be coming back to me, and now it's going to be potentially used as a collection payment? <= if the underwriter decide that you pay it..... like i said, va does not require. some banks do though
So here's an update:
Appraisal is ordered so we can get a place in line. We know it will be a minimum of a week for them to get out there, allowing time to complete inspections.
IRS Doc is ordered, we wont know for a week if the resolution works but hope its ok.
File will be prepped for processing and submission.
I was informed that the VA appraisal timeframe to schedule is 1-4 weeks. 
The initial income and credit review is expected Monday, which should generate the conditions we need to meet for the VA to issue me a loan approval.
However, now I've been told that the VA appraisal could potentially push the closing date out, which was already 45 days, due to the complexity of the file (I'm self-employed and have been for 10 years, unsure how this is complicated?). Now they're telling me most likely will need to ask for an extension.
Is this normal? I feel like I've been told conflicting things since day one. And whenever I try to ask for more information, I get my head bitten off - very touchy.
