normally buyer pays for loan doc preparation so why would you want to save a few dollars on loan docs. 

It sounds like the IRS prepared a SFR (substitute for return) for 2014.

If I recall correctly...I haven't prepare any Texas tax returns in a while, but I believe that there is no annual fee In TX.  

It a competitive market so be sure you're prepared and ready when the time is right!

Also with these loans be prepared to face higher down payment requirements possibly 20%, you may have to pay up to three points on the loan.

All you are bound to is having to close on the scheduled closing date and not being able to terminate if you can't get financing, i.e. you have no mortgage contingency and if your financing falls through you have to be prepared to close in cash or lose your deposit.

By that point the seller will be desperate to make the deal work and will likely be prepared to drop the price just to get the sale completed. 

(And yes we are prepared for the unexpected).As for advice, I'm no expert at all, but staying persistent and give your 100% in whatever you start you finish.

The loan officer should have prepared you for all the items needed to get this done.2 months is too long!

If it appreciates pull it out.This is a cash cow that will keep giving as long as you are prepared to take.