Underwriting VA loan Issues

[Fred Sena]

Here is my story,

My wife and I own a three unit, multi family property purchased with a VA loan. We are in the process of purchasing another 4-unit multi family, but we are hitting issues with the lender.

Our closing has been delayed twice, two 14 day periods due to underwriting issues. The first delay was understandable as we had to have some of my wife's bank statements translated to english from Thai for our down payment source. The second time was delayed due extensive underwriting review and the UE questioning why my wife is not on the loan. 

I qualify for the loan with my income alone without her being apart of the process and to me didn’t seem necessary and wrote a letter of explanation stating that. 

We are now two days away from our third closing date and the underwriter has asked for numerous documentation in the previous days that was already in the file and had to be walked through the file by the loan processor to show hime where each piece was located. 

The UW now requested a market analysis of the rent in the area from the VA appraiser. This should have been requested weeks ago the appraisal was completed two months ago. We have been battling for this loan since February 5th. Went under contract on the February 14th.

It seems as if this UW is trying to delay this in anyway possible. He waits until the last minute on Friday to request any additional documents and waits until the following Thursday to view it. 

This an in-house UW working with a company I will not mention for now. 

My question is how would you deal with this situation? 

Im trying to save the relationship I have with the Loan officer and his team as I plan to use him again for future purchases.

Underwriter stated he will issue CTC after he has market Analysis for rent, but he has stated he would give CTC before but instead requests more documents that are already in the file.