Oh, rats!  We hit a snag with our initial lender.  The offer just isn’t what we want.  Our realtor points us at a local lender she has often worked with.  On the first walk through it appears she can better meet our expectations.  So, we start the process all over.  The burden for this is all on Kent.  He is meticulously downloading documents and uploading to the new lender’s system.  It is an all-day task but looks like we can live with the proposed loan.  We head off into appraisals and underwriting…. just a lot of waiting on our part.