Hi I am with Allied Home Mortgage. If any loan takes over a month most likely they are running in to a problem of some sort. Im not sure why loan officers don’t communicate but it is very common not to tell you or contact you when problems arise.

All the do is add in the down payment to the final payment cost. They are the best mortgage companies out there for this type of thing. Oh and they offer FHA and USDA loans for housing. Fargo, or local resources, because I got a home loan for first time home buyers, with no down payment, low interest rate, and low payments. They also offer FHA loans as well as USDA loans. Although you do have to pay all this back. They just calculate the down payment into your final payment cost, that way you dont have to have the money up front.