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Supposed to close on July 2, but closing disclosure was sent incomplete with drastic changes

Hi everyone! I’m just looking to see if this experience is normal or not. The brief back story is that my husband and I are purchasing our first home from a friend of a family member. There are no REs involved in the transaction. Both parties have RE attorneys. We have been having some issues with our loan officer at the bank, who has sourced our mortgage out to Caliber Home Loans. Our issues are mainly that the loan officer is not very timely with his responses to our emails or submitting/sending documents. We contacted his supervisor and it seems to have improved until this point.

We are scheduled to close this Tuesday at 4 pm. Today, our attorney called us and asked if we had any other contact information for someone either at the bank or Caliber. They received our closing disclosure, and several items were not filled out or filled out incorrectly. One of the most glaring items, at least to me, was that our cash to close changed by almost $2000 from the estimated cash to close they sent us just yesterday. The $2000 was taken from our seller’s assist but there isn’t an explanation as to why the seller’s assist has decreased by so much.

Our attorney tried to contact them multiple times today but didn’t get a response from anyone at Caliber, and the bank keeps saying they have nothing to do with it.

Is this a normal thing? Our attorney unfortunately had left for the weekend by the time I had the chance to listen to the voicemail. Is this something that will push back our closing? We are feeling very frustrated, as our contract has already been extended twice because of deadlines not being met by the bank.

I know that this should have been a red flag in the beginning but this bank was recommended to us by several friends and family members and was recently voted Best Mortgage Lender in our area. We are inexperienced and didn’t realize that our experience wasn’t normal until it seemed to be too late. We could have withdrawn our application, but we were afraid to delay our home purchase any longer. Any advice or anecdotes would be appreciated!

submitted by /u/butterydelight
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source https://www.reddit.com/r/RealEstate/comments/c6r3zj/supposed_to_close_on_july_2_but_closing/
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