The mortgage business has been very tough on condo's recently. Your loan can still be denied even if you have supplied all if the information the lender has asked for. The loan can be denied due to the condo not Fannie mae or Freddie mac approved. What this means is there may be 1 oener that owns too many units, to many investor owned units or the condo's insurance may not be sufficient. Wachovia is also having some internal problems. they just shut down most of there brokerage centers and laid off most of there staff. If you would like someone else to take a look at your loan, please feel free to call me at 800-706-1177 ext-127, My name is Stephen Roe and I am a loan officer with Suncoast Mortgage Corporation. We are also in NJ. Otherwise, Good luck!