Met their sr. officers, and my rep is like family. 

Some sites want to see detailed financial statements, while other sites accept self-certification with a 15-minute follow-up phone call from the investor relations officer.

For a 9-5 worker or anyone that goes to bed at night, there is the concept of biphasic sleep, or second sleep.

As others have said, @Avery Carl (realtor) and @Parker Borofsky (loan officer) are the people you want.  

I am wondering if I asked our loan officer for the new interest rate since we haven't technically completely signed and put our 20% down, would that a be a complicated process of having to apply all over again?

Plus, they have offices all over the Metroplex and it makes closing all over DFW easy.https://independencetitle.com/offices/headquarters...

It was to close in Dec, but the bank is dragging their feet in signing the deed, someone is always out of the office with the holidays. 

Check with the local mail carrier or Post Office.

Qualifications are capable and responsible workers who can work on a budget in a timely fashion. 

A gal in my office called me about it since it was her listing(if it's the same one) and asked if I knew who you were.