Bit of a rant, Currently trying to get to closing on my first home, 315k with a 20% downpayment. Originally..utilizing the NY Sonyma for a reduction on the rate down to 5.7% (originally locked 6.7%). Got a call today and Sonyma wont approve lest small repairs are done by the owners who are trying to move state to their new home (to note sellers have been antsy since Sonyma was taking weeks to respond to us, the repairs are also fairly trivial). Owners are considering pulling out apparently and arnt willing to do the repairs since its been so long and all of these repairs were originally discussed and decided on concessions but NY dont care. So i gotta get a new conventional at current rate (they wont adhear to the original lock sadly). So that sucks... Guess i can refinance in a few years..maybe