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the latest chapter in an endless saga:

At just about the last minute, the underwriter at my buyer's lender (Quicken Loans) determined that 

they had to add the wife to the loan.  We took the steps, created the amendment, and headed to closing, or so we thought.  We got the HUD approved by the lender and submitted it to Wells Fargo

(the short selling lender) for approval and arrived at an impasse:  One lender would not approve the HUD without the wife's name on it and one would not approve it with the wife's name on it.  SMACK, no closing today!

So this should be a simple matter right, we need to add the wife to the paperwork. (Bear in mind, in NC her name is in the original contract as being on the deed, she was ALWAYS going to be an owner of the house, just not on the loan).

Yesterday we get this from the negotiator:

I just want to inform all parties that adding another buyer will require the current  offer to be removed from review, and the agent will have to submit all new documents( HUD, purchase contract, pre foreclosure sale addendum) to be re reviewed. Another variance will need to be submitted to HUD to request approval to extend the pre foreclosure timeline. This will take a 7-14 days to receive back from HUD.  Please advise how you like to proceed.

I may be wrong, but this feels like starting over, for the second time by the way, we had our first approval in January, at which point Quicken loans took a look at the contract and realized they couldn't make the loan as the contract was written--too much seller contribution to closing costs for lender guidelines, something any competent lender would have seen the day I sent them the contract, not AFTER we had short sale approval. We started over and got a second approval of sorts (our changes in the HUD were ignored, all except the one that got WFB an additional $200) in March.