Perhaps if the LO has the daily reminder of $$'s, she will expedite the process so you will get your answer more quickly.
Also, here is a local lender in Moreno Valley that can answer your specific lender questions and possibly step in if your lender can't get the deal done.
If nothing else, he will be completely honest and upfront about your chances of closing.
Robert Trowbridge, Wholesale Capital Corp (located on Olivewood next to the 60 frwy) 951-488-3173
Best wishes-let me know if you have any further concerns with which I can help.
Telling you to let her do her job is not very good customer service- my thought is "If you were doing your job, my house would have been closed already"
Once your lender has all conditions met and final approval is complete they will need to send a closing package to the title agent. This will usually take at least 24hrs to send out once complete.
I do not see any way for you to close tomorrow. Request an extension ASAP.
Best of luck,
I have seen a couple go that way recently. One of my clients had an issue with their tax return, but the lag was really getting certain docs from the IRS. I would definitely advise calling your loan officer and asking him for the real deal. Is this a dealbreaker? What is the actual ETA on a response? And you can always throw in the request to speak to his superior.
Another option to quell the sellers may be the offer to pay a per diem charge for every day past your scheduled close of escrow. You may then be able to negotiate for your lender to give you a credit to cover that charge, since they are the cause for the delay.
Good Luck- Hang in There!