YOu must immediately call your loan representative and press for teh answer to this question.
YOUR selection of a lender has a tremendous bearing on the competiveness of your purchase offer. Seller WILL be advised by their real estate professional regarding the historic record of a lender closing on time, under budget and without all the hysteria.
YOu would be well advsied to contact a local lender where your new home is located.
Your real estate professional is your best resource for identifying a local lender who wlll make your offer competive. The 'to big to fails' have an established historic recored of leaving buyers at the alter.
You may also try: http://www.BankingGrades.com
Choose an "A" or "B" graded lender.
Best of success,
Annette Lawrence, Broker/Associate
Remax Realtec Group
Palm Harbor, FL