It's no secret that home lending market has tightened up quite a bit...and it's difficult getting answers on loan applications and pending closes that you can rely on....or....well....take to the bank. I know of a number of high loan-to-value deals where the buyers are using mortgage brokers who are subject to the rules and policy changes of the banks...and yes, banks are changing their programs all the time.
If you are ready to buy a home, do yourself a favor and get pre-approved by more than one lender, with at least one of the lenders being a bank that does in-house underwriting.
In Loudoun County or Fairfax County, I'd be glad to assist you in finding just the right home. However, I'm glad to recommend several excellent bank lenders to you, no matter where you are buying. Just give me a call.