We, the realtors who serve buyers and sellers whose escrows were delayed due to quirks at the lending side, share your pain.
But this is not at all uncommon.
Now that the lending process has tightened up. The appraisers and underwriters are doing their job by thoroughly checking all the paperwork and to make sure they conform. I closed recently on a property, a week later, and had to agree to a per diem charge for each day we didn't close escrow.
The underwriters make a final verification of employment (if they can't get hold of someone at the buyer's employer's office, that will obviously delay the process),
They also take another look at your credit (large ticket item purchases charged to a credit card are a no-no since it will skew your ratios)
Or there's a document missing signatures. I use DocuSign --- and one underwriter required wet signatures.
And yes...some delays have been caused by underwriters taking off for a few days, and their back-ups are not able to complete the file.
It could be a number of things. We, as realtors, can only make follow up calls, but there's nothing we can do other than to keep rattling those cages.
If the sellers are amenable to extending the escrow closing period, great. But with REOs, this becomes challenging unless there is a very cooperative asset manager at the bank.
Hang in there!