All that said, call your agent and your lender on Monday and find out what's going on. YOU talk to the lender. Good luck!
When is your scheduled close of escrow date? Your agent should not be your point of contact for the loan. It sounds like something fishy is going on here and you simply need to find someone you can talk to and get to the bottom of things.
The lending markets have changed considerably in the past year and a half or so and there is not a lot of "creativity" that unethical lenders can get involved in. You either qualify or you don't. The most troubling thing here is that you don't know what the problem is!
I don't like to promote our bank here, but if you would like a second opinion, let me know and I can forward you the contact information privately so you can get an honest assessment of your situation