The guy that bought my place went through BofA, he had his father as a co-signer and still wound up putting down about 40%, that seemed pretty ridiculous when I signed the closing docs. My agent has told me that most banks are regularly missing closing dates, "like they don't even care" is what she said, 3 extensions on one deal (over 4 months to close). The pay-off in the patience game with these guys should be worth it if you feel like you're buying at the bottom. Lots of great buys available if you can get the bank to open the vault.