It sounds as though you are working with flybynight xyz lending.
Try a reputable direct lender asap.
Like B of A, Chase, Wells Fargo, Quicken Loans
all have online access 24 hours a day.
you can start your loan with them on this website.
I am not a mortgage lender.
I am a REALTOR. I hope you are already working with one.
Harold Sharpe - Broker
So Cal Homes Realty
California Department of Real Estate License # 01312992