<prompt> Human: Current situation update: Our loan officer told us we were approved for a 160k loan, but when we asked for paperwork for closing, our loan officers boss told us we were not approved. We started attempting to escalate. After our loan officers boss refused to give us a team lead to call, we tried our loan officer himself and he complied. I am waiting for a call back now. Our loan officers boss is suddenly much more active and we have received a conditional approval document. We are prepared to escalate further andor go with a different lender andor file a CFPB complaint if need be.Hi peeps.This is a total mess so Im going to just list the approximate timeline and events. Im looking for options and for a general idea of whether BoA is mismanaging our loan.Jan 3rd - First contact with BoA about mortgages. Our credit is excellent both above 750, and we were pre-approved within the next week cant remember exactly when.Jan 10th - We set the closing date for Feb 9th and let the lender know so they could schedule appraisal and do title insurance stuff.Jan 12th - Title insurance company was contacted to start their process. our lender neglected to let us know this happened even when asked, we learned of it from paperwork sent to us around Feb 10thJan 12th - Jan 30th, the dark agesThis is a period of little to no contact from the lender. We have no idea what he was doing and he would not respond to us or our buyers agent in a timely manner. When a response did come, it was various excuses and promises of future resolution or sending of forms.Jan 17th - sent in specific financial informationJan 17th - Jan 24th - Lender asked us to send in financial information and forms over and over again, sometimes redundantly, sometimes with increasing complexity, even after the lender promised we were done. Lender also increased the down payment to 20 of the home price due to our financials. We told him that was fine and wrote a letter of explanation stating that extra costs dropped our income last year. We also reminded the lenders that we have enough to pay for 23 of the loan in stocks as shown in our financials already and would be willing to increase the down payment more in order to get the loan.Jan 30th - On site appraisal of house our lender neglected to let us know this happened even when asked, we learned of it from paperwork sent to us around Feb 10thend of dark agesFeb 1st - Feb 3rd - We start getting worried and start asking explicitly for results. We are told that we are waiting to hear back from title insurance, appraisal, and underwriters.Feb 5th - We are told we are under secondary review by the underwriters.Feb 6th - We miss the deadline to have a loan 3 days before closing. We find out our lenders wife is having a baby. From this point on, multiple days each week when we call in we find out hes not at work that day. We also start looking back at the process to figure out where we went wrong and we find out that the emails BoA are sending us which are only accessible on their system after a login process are DELETING THEMSELVES. This seems REALLY sketchy, and makes it hard to analyze what information has and hasnt been shared.Feb 7th - Appraisal report came backFeb 9th - Close date extended another 2 and a half weeks. Our buyers agent tells the lender closing is 2 weeks later because we no longer trust him to meet deadlines. At this point we have started calling our lenders boss and the underwriters boss to get updates because our lender is not responding.Feb 1314th - Around this time we learn that we have been denied for a loan. We are extremely confused at this point because we have more than enough income between the two of us, wrote the letter of explanation about last years income, and we have reiterated many times to the lender at this point that we are willing to increase the down payment to make the loan work. The underwriters boss tells us they didnt know we had 23 of the loan amount immediately available in stocks and that they didnt know they were allowed to increase the down payment. We call our lender again and he says hell deal with it.Feb 16th - We are approved for the loan, but with 46 down payment, MUCH higher than the last down payment we were quoted. At this point Im wondering whether the lender didnt even relay the letter of explanation we wrote. We agree to that amount and ask them to get to our buyers agent so we can lock down the closing date ASAPToday - It has been 4 days since we were approved for the loan, but no approval has been sent to our buyers agent so we can set the closing date. We have already missed the SECOND deadline we set for our lender. We are losing money every day due to an agreement with the sellers still in our favor for now, but if it drags on for weeks past this point it will become an issue. We have called our lender, his boss, and the underwriters boss multiple times since and on the rare occasion we get a few words from one of them, all they do is promise that someone else will get in touch.So, can we do anything about this? We are already constantly trying to contact the underwriters boss, our lender, and our lenders boss, and getting nothing but empty promises. It feels like we have no control.Im also kind of wondering whether I should post this to rlegaladvice in case anything theyve done reeks, such as throwing quotes around without even coming close to the loan amount or deadline requirements, or giving our loan to an agent who was skipping work due to an imminent childbirth. Both us and the sellers are losing out financially from this, as they moved out back at the beginning of February to make room for us and took out a mortgage to do so.TL;DR Excellent credit, transparent financials, lots of assets, lender promises everything but delivers nothing, underwriters deny us after not getting info we relayed to our lender multiple times, they jack up the down payment by a factor of 2.3, weve missed our deadline multiple times now, lender ignores calls and blames it on his wife giving birth. What can we do?  <response>: Real estate Broker here: BOA is absolute garbage for loans. Heard lots of horror stories much like yours about them. A. Make sure you keep getting your extensions done, especially the mortgage contingency date and closing date, otherwise seller can keep your deposit.B. Talk to a few other lenders, tell them your situation and see how fast they can get it done, Id go with some Big name home loan companies, they have the ability to make loans happen quickly, and try to get in touch with a higher up, who has the ability to push stuff through. Ive seen loans get done in 15 days start to finish. C. Next time you talk to the lender make it clear to him if they dont get it done by the current extension date that you already have alternate financing lined up and the seller is willing to wait for it to get done. D. You can talk to a lawyer but youre dealing with BOA, they arent gonna get pushed around and likely nothing will come of it. But you never know. 