With the tightening of credit policies across the Country, Loan approvals are taking a lot longer:
A couple years ago, I could get a Pre-Approval letter in one day, and we would insert a 17 day Contingency for getting the Loan in place.
And a lot of people are not allowing for it.
I'm working with a Buyer presently, and he wants to visit some houses, and I am firm that he has to get Pre-approved first: If he did see something that he wanted to buy, it would be gone before he could make an offer.
You are at the mercy of your Lender.
You could always find another Lender; maybe have two Apps going at once.
But only that Lender can answer your questions; we cannot.