The only comment I can say for sure is that most Realtors would prefer you to work with a local lender rather than a bank. Banks are just too slow these days. Great for checking accounts, but poor on mortgage service.
Licensed Mortgage Loan Officer
Best of Luck,
Century 21 Tenace
Have they given you any information on WHY they can't meet your closing date? Have they communicated with you at all other than requesting docs?
The danger of working with a big bank... they have too many files to care about a single one. I just had a closing that was delayed well over a week until we gave them the boot and went with a new lender in the Dallas area. If you have all of the paperwork ready and want to transfer it to another lender, they can generally close in about 2 weeks. Yes, this will cost you about $700 in the per diem, but it may be very worth it. They are based here in Dallas, but I'm sure they would be able to take care of everything for you. Give them a call and see what they can do for you. http://finddallashomesforsale.com/dallas-home-loans-mortgage
Best of luck,
B&B Realty Group - Keller Williams Elite
Sometimes the loan process can be so frustrating. What has your lender said to you about why there is a delay? If you are not getting anywhere with them directly then your next course of action is talking to your Realtor. Everyone wants the contract to get to closing so it's just a matter of getting everyone on the same page. Your Realtor should have a conversation with your lender to find out what the hold up is - it could be a dozen different reasons. Most Realtors work with a variety of lenders so it might be an option to change lenders at this point depending on why there is a delay. The Realtor also needs to have a conversation with the seller's agent, if they haven't already, to let them know about the delay before your closing date. No one likes a surprise and chances are, if you are buying a resale home, the sellers are moving out this weekend and maybe even waiting for the funds on the sale of this home to buy their next home. If the delay is because of the lender, your Realtor may be able to negotiate with them to cover the late fees you incur.
Sorry this has been a frustrating experience for you. I advise buyers to work with a lender that is local, someone whose office we can drive to and see face to face if there is a problem. I hope it works out for you and congratulations on your new home.
Realtor, ABR, GRI
Keller Williams Realty
Coldwell Banker United, REALTORS