I am supposed to close in 2 weeks. is it too late to switch products? I want to go from an adjustable rate to a 30 year fixed rate.
Yes, if you change lenders you have to start the loan process again. Can you get the seller to extend the closing date?

With one 30 days late on my present mortgage and three 30 days late on my student loan
Possibly, but there are more details I would need because the criteria involves more than just credit. Please contact me at bwindom@comcast.net if you would like me to assist you? No cost or obligation. I just need some more information in order to help you.

How early to get Pre-Approved?
The earlier the better. Many times we find issues that exist on credit reports that borrowers don't remember, think about or think are on their reports. It takes time to fix those problems and months before you begin to see improvements. Liabiliities may need to be reduced to meet DTI ratios. That can take...

low credit
May I help you? What is your question, please?