My husband and I went with Wells Fargo to buy our first house.

We offered 26% down, both have excellent (>800) credit scores, no debt, and steady jobs with a low debt-to-income ratio.  Basically, we are the perfect loan candidates.

Yet, it's taken over 90 days and it looks like Wells Fargo may still fail to complete our loan documents in time for close. 

The whole pitch they gave us was that they were reliable and would close on time.  HA.  Our guy was COMPLETELY unresponsive until I asked if he was too busy to handle our loan, and whether we should work with someone else.  After that, he started...