Hi Samantha, congrats on your new home, and I must agree with most others on here, contact your LO, and discuss why the loan has not been submitted yet. In this market, with the great rates, underwriting is swamped, so to my mind, the old adage the sooner the better comes to mind.
Home Savings is currently at 48 hour underwriting, however, it is 72 hours to review conditions. Remember, those are business days....Good luck, I do hope you close on time without issue!
Jim Ryan, Home Savings of America, 703 591 5626 ext 419...Nationwide for 75 and still growing!