SS timeline in siggy. We were supposed to close by 9/15. LO told us that would be no problem, then he vanished on a vacation we were never told about and when he came back he told us it was sent to underwriting on 9/2. I finally called USDA last Tuesday because we were pissed/in freak out mode, since he said he had emailed them and they hadn't done the electronic update on 9/14 like they were supposed too.
USDA received it on 9/14. I called LO pissed and he said A. he never told me we'd make close (LIES), B. He never said he sent it on 9/2 (MORE LIES!!)
I think the guy at USDA felt bad for me because when I called file had not been assigned and the next day had been reviewed. (last Wed)
HOWEVER,
they had questions about our appraisal's land to house value & if the land could be subdivided (no it's a little over 1acre. In our county it has to be 5 or more, I think).
IF the appraiser would have replied Wed evening, we could have closed Friday. I didn't talk to LO Friday but as far as I know appraiser hasn't responded to LO to send to USDA.
Our SS approval expires this Friday. Not 1 aspect of this entire thing has gone according to plan. Our appraisal was delayed, our water failed & took 2 weeks to pass, etc.
In our approval it clearly states from BOA that IF an extension is granted we have to pay some type of fee to them. FML.