If you are concerned that they took a snap-shot during that time when the HELOC money was paying off the credit card and can't wait till their next snap-shot, you can write to each of the agencies and submit proof and they really are good (in my experience) with correcting those things.

I submitted an online application to BBVA and got an email stating approved amount of $44K, this is before title search and their property value check.

They are waiting for me to submit the PS and escrow. 

Real estate closings are a numbers game and the more offers you submit, the better, usually.If you have not realized it yet that there is very many softwares that can help you. 

I would tell her that the husband has to submit to a background check prior to being added to the lease.

I purchased a duplex and want to submit my appraisal to the county in order to hopefully lower my taxes.

In both of these cases it was contractor proposals submitted for military contract solicitations.

I'm imagining some website where I log in, type the address of the property I wish to add and click submit (okay, maybe not quite that easy but at least in that direction).Thanks,Todd

Never dice rolling. just wondering where I could make adjustments to submit an offer that makes sense. 

When you submit a short sale package, you would have submitted an estimated settlement statement that broke down the closing costs, fees, and payoffs to the lenders.