Anyone else going crazy trying to get a loan!!!

Dam I think they are going to want our first born male child the way things are going. We have a perfect credit don't owe on anything (car included) except our town house which we have over twenty percent equity and we are going to rent out. WE R putting twenty percent down with plenty left in the bank. And they are still giving me a crazy hard time.
The house is set to close next week and I guess they did one last credit check. My wifes credit score they said dropped a bunch because we openned up a joint american express account and they said the balance is too high (the balance is not even a quarter of the cards limit). So they were going to doc us a quarter of a point which is like 1700 bucks so now I am scrambling calling the credit card company to pay off the balance. And even with doing that they said the credit might not clean up in time for us not to have to pay the 1700. It is just crazy I have plenty cash and they are bitching about this. O well just had to vent!