My loan agent isn't honest and I'm not sure what to do.

Sit tight. I doubt your loan agent is not honest it just seems that way because he is playing by the rules. I know that sounds funny but its true in most cases. They probably re disclosed due to a time lapse. If you ask me the seller is bluffing, if he wanted to move to the next buyer he would have already. Short sales are tricky and can take longer then expected. Contact your agent proactively and ask for updates, try and see if they are sending the loan docs to the right place. Everything seems to be a miss right now, but I am sure it will sort out soon. Stay positive and keep your eyes on that house.

Communication is key... Your loan officer is bound by law when it comes to re disclosure... and there's a mandatory 3 day waiting period before you can sign doc's. You should just call him and ask him the same questions your asking here.. he won't be offended, in fact he might feel relieved... As far as the seller getting anxious, one call from your loan officer to them explaining the delay, and you will be good... I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

every time a rate or fee changes they have to redisclose

You should have your attorney contact the lender for answers. Good Luck!

Due to the Dodd Frank reform bill, there are TONS of new regulations when purchasing or refinancing a property. These regulations are meant to protect the consumer, but all they have done is confuse the consumer. Your loan officer wants to close your loan as much as you do. Whenever something changes, many times insignificant, the lender must redisclose to the borrower. I dont know if this is exactly what is going on in your case, but you should call your loan originator, ask him to tell you specifically what the hold up is, then come back on here and tell us for additional advice.

If you truly feel that your lender is not treating you honestly or fairly, I would advise you to at least put some "feelers" out for other loan options. One of the lenders I work with is completing purchase loans in 2 to 3 weeks depending upon how complete and accurate the loan file is, and if the real estate agents on both sides of the transaction provide what is needed in a timely manner. There is no reason for purchase loans to take more than 30 days to close. Unlike refinances which have no time restrictions as to when they must close, purchase loans do because of escrow deadlines, consequently, they are given priority over refinance loans by lenders. In this market, due to the tremendous influx of refinances because of the historically low interest rates, most lenders are taking 45 days or more to close loans. However, purchase loans are put on a fast track that reduces this time, typically, 1 to 2 weeks. Give me a call 16/7, or email me your phone number so I can call you, and I'll be happy to assist you in anyway I can, even just to the point of determining if the loan you are trying to get is the best one for you. To learn more about me and our mortgage brokerage, click on my picture. When the next page pops up, click on "Website" and you will be redirected to ours. We work exclusively in CA and get loans done fast, typically in less than 30 days, at low interest rates and costs. Representing 39 quality lenders that offer more than 1,000 loan programs, we definitely have something for everybody.

I would call your loan agent and express your concerns he can probably put your mind at ease by explaining each situation. Short sales usually take a long time and entail more work and it is not uncommon for you to be re-disclosed, there are several reasons that can happen. All the best!