It seems a little late in the game to switch teams.
I'd suggest that you spend a full day tying up all loose ends.
Contact the underwriter directly and politely ask what SPECIFIC items
you need to provide so that you are clear to close.

Once you have that list in your hands, secure all the exact items that he/she requested, do whatever you need to do to complete the list, then hand them to the underwriter face to face and ask politely if he/she can go through each item to be sure it will suffice.

Bottom line: The bank holds the cash that is the KEY to the Purchase of your New Home.
Without that KEY, you cannot get in...So...
Give the bank EXACTLY what they want!

If you are compliant and persistent...you will get your Key!

Sounds to me like your dealing with a job history issue and the type of mortgage you're attempting to secure. I agree with Robin in that your loan officer and agent (if you have one) should be riding this harder than you seem to have to.

Agree with Robin that the guidlines have been modified several times for all types of mortgages since we started the mortgage crisis in mid-2006. Did you get a secon letter from the VA and HR after the underwriter's request? I apologize, just the way you wrote it I don't understand if you mean you went back to VA and HR and they said they would not do another letter, or if they modified their existing tender to reflect the items Wells Fargo required.

I would ask these questions - and attempt to speak directly to the underwriter:

1. What do you need from me to close this loan?
2. What do you need from someone else involved in this transaction to close this loan?
3. Are there any other requirements you are waiting for (appraisal, repairs, etc...)?

I assume from your statement of being two weeks past your closing date that you are also concerned about your earnest money's status.

Perhaps changing the closing date (or moving on to another property) to a time when you will meet the minimum employment history requirements from Wells Fargo is the only way to get this done. The Seller probably is anxious to know as well, as they're missing important medical student traffic during our late spring rush since "Match Day" (particularly for townhouses).

Good luck !

Joe Loomer (USN Ret.)
Associate Leadership Council, Growth Chair
Keller Williams Realty Augusta Partners

Gapeach0439,

I can understand how you would be a nervous wreck. This situation normally occurs when a buyer doesn't have guidance. It’s not your job to know what these terms are and no one should expect that of you.

My past experience with Wells Fargo has been great. This is who holds my Personal mortgage. They are a very stable company and do not sell off there loan. Now a days mortgage companies are setting more stringent provisions and guidelines. It's the underwriter’s job to insure these items have been completed before they can approve a loan.

Let's think...; if you go to another mortgage company, this process starts all over again. Will your Seller wait? If the mortgage company is saying they need a signed verification when why would the HR department who said it was sufficient not go ahead the sign off to that effect? Why couldn't you simply walk it in to them and get the job done? Why hasn’t your loan office and buyer's agent stepped in as your advocate and expedite the process?

Is it time to orchestrate or eliminate?

Robin Lanese
Solid Source Realty
HUD Registered
Accredited Buyer's Agent, ABR
Certified Relocation Counselor, CRC

Robin@RobinLanese.com