Ohhhh, you mean I need to pay for this?!

So, guess what I've learned about banks...  If it seems too good to be true, it probably is.
The Hubster knows someone that he was in Rotary with.  She wanted a shot at our mortgage loan.  She got said shot and blew it.  She couldn't get the money for us because her bank doesn't actually hold the loan, it's sold to Fanny Mae which holds everyone to iron-clad regulations plus, in the entire process, she let FEMA know that we might be in a flood plain... how sweet.
Needless to say, we still don't have a dig date even though, we really should be closed on a loan by now.  No matter, we've gone to a second bank.  The community bank that has done The Hubster's family and business banking for years.  We need to pay for a new appraisal but, things are looking promising.  That's really all there is to report so far on a financial end.  Now on to insurance and the government!