Unbelievable

Two days until closing and I called the loan closer at Bank of America and was told they had declined the loan.  I asked how that could be and she asked me to call our loan processor.  Apparently, back when the whole process started for the refinance, someone in Underwriting failed to catch our loan type and due to some small wacky law in Texas they can't run our loan through as an FHA loan.  Talk about feeling stunned and I am just tired.  We're supposed to hear back tomorrow to see what we can do.