good morning vana......i suggest the following.......with either lender, you will probably pass the last day to close with the terms of the p.a......knowing that.....the second lender could give you a "subject to" approval and stip for the remaining two months of your paycheck reflecting the commissions paid to you....see if the first bank can close quickly, but keep the wells fargo loan as a back-up plan.......try to extend the terms of the p.a. to coincide with when wells could close you.....most sellers are put out by delays, but don't forget, you could still close faster that re-listing the property and the sellers begin the selling process all over again.....the sellers could require an additional emd to extend the time to close...it's probably a fair request as long as it isn't too pricing...laslty.....interest rates have been increasing and there is a good chance the rate quoted and probably locked for you at aplication at wells will expire.....i wish you luck iwh toyur deal..bob mcclure- success mortgage partners- plymouth, michigan.........

Right now, you have the same promise from Bank 2 as you had from WF when you originally started the process. It is possible that Bank 2 could come to the same conclusion.

With underwriting rules changing by the second you are probably better off to ride it out with WF until they say they absolutely can't do the loan, then switch.

With Bank 2 already ordering the appraisal you may now wind up paying loan fees for both WF and Bank 2.