I am a hands on loan officer. There are some who do nothing but take the application. I know every detail of every loan.
Sally W. Hamby
Pine State Mortgage-Atlanta
If you have access to talk to the processor than leave the loan officer aside and talk directly to the processor.
I was a loan officer for 5 years believe me.
In your situation, I would say the following to your loan officer: "X, I am not getting 100% clarity on the answers to my questions. There can be differences from what you tell me and what your processor tells me. From this point forward, who will be accountable for the last word on my home financing? This is the person to whom I'm going to address my concerns."
If your loan officer respects you and your business, he/she will not hesitate to step up and be responsible. And you will have this person on record for saying so.
First time buyer or not, you deserve that level of service.
Best of luck,