Rocket Mortgage was amazing for us to get quick turn around on financing approval letters in a bidding war. We then went with a credit union due to lower fees and better rate…multiple quotes makes it more flexible but at the end of the day take the best rate and lowest upfront costs.

Honestly call a tax lawyer, they may help ease your mind. I believe they can only go beyond the 3 years if there was intent…but again: call ;)