Thanks to all for your comments! The kicker to all of this was I was extremely pro active during the whole mortgage process. However, regardless of such, Bank of America, (including the mortgage broker) had their focus on blaming everyone involved, from each other, to my attorney, while the clock continued to click. Bank of America's representatives went so far as to down right lie when they prohibited me from contacting SONYMA. However, when I contacted SONYMA ( they are a State agency after all) I was informed that SONYMA welcomes calls from the public as their objective is to get people into homes! And SONYMA stated they giving a week or two extension is common place. The agency was none too happy with Bank of America and their tactics. However, Bank of Amercia just locked me in at a higher rate. When I contacted Bank of America and requested to see documents from SONYMA stating an extension renewal- my request went unanswered. I would STRONGLY advise anyone looking for a mortgage to stay clear of Bank of America. And to Bank of America I would suggest their slogan should be "The Bank where one rep lies and everyone at Bank of America swears to it!"