.... what is the application (plumbing, HVAC, siding, etc)?

Ultimately, you need to start with a loan application.

Should I be concerned about the lender doing a post-closing audit and accelerating the loan once they discover that I've left my secure IT desk job (which was my only source of income and the cornerstone of my mortgage application when I started buying)?  

I do hope you will find my past 3-years tax returns, personal financial statement and the entire completed 1003 mortgage application sufficient to extend my loan for 5 more years at whatever interest rate you choose.

Likewise they are able to take more things into account, such as how organized you are when you submit your application.

If homeowner claims modification failed remember that can extend default another 1-6 to months due to loan modification application and processing and new default amount has not been reported or seen through property radar.Third, the only way to assist this homeowner is for homeowner to sale property on their own and keep equity or do a short sale then the lender will control the sale and not the homeowner.Another note anytime a homeowner does a repayment plan, loan modification, short sale or deed in lieu with their lender their credit is already ruin.

If you make a prohibited transaction your entire IRA will be distributed with applicable taxes and penalties.

I'd also like one that I can make changes to with their online application.

I am going onto my second month with it for a SFR, and I used it for the application process. 

If you keep having problems, look at your application process, or your in a ghetto and have no choice but to take what you get.