At this point there’s just one more hurdle to jump (this is where Tag and I sit today): have the bank approve the loan. They need to make sure you have enough money to pay for the down payment and closing costs, that your income is high enough to support the monthly payments, that you’ve been at your job long enough to consider your income stable. They check your credit score, credit history, and do a bunch of other stuff. It takes a long time, but that makes sense. If you were going to lend someone over a hundred thousand dollars I hope you’d take the time to review their creditworthiness too!