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Miss Pat. , I've been with USAA for over 42 years and I sincerely understand your stress and frustraton over the eleventh hour additional informational requirements. I actualy experienced a similar problem with my last home mortgage in 1999 until I got a mid-level supervisor involved which resolved the issue in time to execute a timely closing. I suspect the underwriters or whatever the financial watch dog guys are called are simply doing their job and trying to comply with the latest federal requirements--Which doesn't help you. Unfortunately what can seem like a great experience initialy with USAA home mortgage services can in the final minutes or days prior to closing become a night-mare. Good luck and please give mid-level a chance to resolve your issues, Don
In my experience as a home buyer regarding real estate closings I can offer some advice when approaching the closing date: be prepared to answer quickly and accurately any and all questions, some duplicated, in order to make that closing happen and be available by phone, fax, and e-mail. Be prepared to fax or to copy documents into a .pdf (Adobe) file for e-mailing. It may be frustrating but it is common and part of the process. Don't let a deal fall through due to some requested extra effort and fancy footwork at the finish line.