Will we ever close?The company I am using has an in house underwriter she looked over the file yesterday and sent it up to the lender for review. We have "extenuating circumstances" in our file such as contractor income that can't be used in our DTIR, but our DTIR is at 43.4% and our income without is 36k and income with my other job is 56k. Credit at 620+ and both have steady work. We were supposed to close this past Monday and have an extension through Friday. We are worried that the lender will look at our file with less care and consideration than the in house underwriter did. Should we be worried or is our file a "good file"?July 30 2013 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.