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As a follow-up - Kathy has referred this file to an individual who is now handling it. Communications has picked up and emails and phones calls are working well. Unfortunately, because of the delay the current pay stubs and bank statements are outdated. I now need to go back to the homeowner and asked for another more recent set. This would be the third time i have sent in "recent' pay stubs and current bank statements.. The next thing will be a need to get a new appraisal because a decision has not been made. i think the documentation is a little overkill based on what was already sent . Either its a good offer or it isn't -There absolutely is a better way !!!