NVR ended up coming back and matching the 3.625 rate Union Savings offered us. Even though it is minimal this does save us almost $30/mo. So we went ahead and stayed with NVR. They didn't want us to leave like last time and use another lender. So we are back in the same boat locked and ready. We just sent over all our updated pay stubs and banking documents for the file along with our insurance rep information for the Homeowners insurance. So all the paperwork is up to date!