I must have also been lucky. I was preparing myself for the worst possible outcome, but Wells Fargo came through and we closed on our house a day ahead of schedule. Carlos and Kelly in East Brunswick NJ were great.
Now, understand something - I over communicated every little detail and made sure my paperwork and financial situation was in order. My wife and I earn a good salary and generally have our ducks in a row. I played liason between all parties involved because I wanted things to go smoothly.
Be professional with your loan representatives and always be honest. I was and it really paid off. It truly was a rewarding experience.