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None. On XX/XX/2019 my husband and I signed a contract to close on a home on XX/XX/2019. We had been pre-approved by the lender ( SecurityNational Mortgage Co. ), signed and submitted all documentation needed to process our file, and made all payments to include : earnest money ( {$2400.00} ), appraisal fee ( {$620.00} ), option fee ( {$100.00} ), and home inspection fee ( {$320.00} ). On XX/XX/2019 at approximately XXXX XXXX, I received a text message from my loan officer stating " Hi XXXX- I am working on this but at this point your closing is going to be delayed. I am sorry to share the news, buy, I'm working hard to still get you to the finish line. Question : do either you or XXX have a family member that has a credit card that the two of you could be added as an authorized signers to