It's now set. We have locked in the rate and loan that we had originally preferred and hoped to get. Now it's on to completing this loan and getting even closer to closing escrow. Oh yes, and it's closer to having to pick paint for the walls of the house. I'm very excited now. I'm not as freaked out now that the loan and rate is locked.
Although I'm starting to think that the person that did our loan approval either doesn't know all the rules, or he's trying to trick us into a doing things that aren't in our best interest. We'll see. We don't know all the details. Maybe we'll find out more later.