I would have to agree with Scott regarding the final word coming from your loan officer. I also agree with Sally when it comes to avoiding large credit card balances, etc. One this you should definitely avoid is opening any new accounts of any kind especially new credit cards. Also remember that if you are applying for a loan together then the lowest credit score is what you'll be ranked on.
Your loan officer should be the one you speak to in this situation. In my opinion, the way the market is now, if they didn't think you had a chance they probably would have told you so or wouldn't want to waste your or their time.
I wish you the best of luck with your loan approval.
If you are working with a well qualified Loan Agent who has integrity, then "the odds should be well in your favor" based on the information you have provided...so long as your financial situation (including income, debt, reserves, credit, employment, etc) has not drastically changed since being pre-approved.
When you are "pre-approved" by a lender, they should have dealt with any major issues at that point. Although there may be additional documentation requested by the underwriter, these items should be relatively easy to obtain.
I wish you well on the purchase of your home. Enjoy!!
Lots of things can happen and having an excellent loan officer is essential.
See the attached article on the 'Perfect Loan File.'
Feel free to call me at 415-200-7202.