[central_va]

what rate? Go for a rate lock.

[Eric in the Ozarks]

There are so many new federal rules associated with banking and mortgages it would be hard to list them in a Big Chief tablet. We've locked at 3 percent but the “lock” runs out April 15.
We had to go to a”neutral party” to pick an appraiser. The bank can't talk to this guy. The appraiser reneged on his bid because the property is larger than he thought it was.
The bank's underwriter is confused by the distance the appraiser's “comps” are from our place.
it goes on and on; more signatures, gallons of paperwork.