My other LO happened to call later that night and explained it all to me. The increase in the price was for some change orders that hadn't been factored into the previous GFE. Ok, feeling much better now! She assured me the USDA loan was the best for us. She also noticed the transfer tax did not update on the GFE, so she had me request a new one from the closing manager with the updated information. I think I went to bed that night and dreamt about mortgages, loans and money. Of course, my stressing makes Alex stress and it's one big stress fest in our household..... Not. Good.
So the next day I start reading all kinds of things online about owner's title insurance and different fees that are negotiable with the lender. So of course, I email my LO with all kinds of questions. Overall, I've probably exchanged 200+ emails asking all kinds of questions.
Seriously, both women that are working on my loan have been so helpful and kind. They sympathize with me and are very understanding of my stress, questions and lack of mortgage knowledge. I swear I'm driving myself nuts! My LO said some things that made me pull myself back down to ground level... "this time is supposed to be fun, exciting and enjoyable..... trust that this will all work out, what you're feeling is normal, take a deep breath and relax." So, that's what I'm going to do....get back to reality and let this mortgage stuff go.
I'm feeling much better, much happier and am excited for the next steps! It sucks to see a ton of money go out the door for closing costs, but the reward of our own home makes things so much better!! Closing is scheduled for less than one month away!!