I used to work IT for Illinois largest mortgage broker (was offered to be a Loan Officer but could never ever take on the stress of what clients go through) and this happened frequently. No matter how prepared paperwork, approval, underwritten these things were invariably the lender would make a flag or raise some BS at the last second. I went through it too, and lawyer raised his voice on a conference call with the lender at the closing after all paperwork signed at 4:45pm before money was wired. Too stressful.That is what happened to me as well. They did not lock me until two weeks before closing. They result cost more than half of point in interest rate. I was not happy and threatened to take my business elsewhere, so they gave me a lower interest rate without points, but it was still higher than it had to be and the rate they offered originally with zero points was higher than the nationwide average with zero points. It started to feel like I was being scammed.
So while I'm unable to jump on procrastinators; 80% of the time your issue is the finance industry and how it works these days...sucky!
Glad you got your house, is it nice?