Appraisal scheduling issues- first time homebuyer

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the investor said the earliest they can schedule the appraisal

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Investor? Do you mean appraiser?

I’m using a mortgage broker.
They say that the lender/investor orders the appraisal.

I asked my realtor what to do and if I can ask for appraisals. He said it’s the mortgage company that schedules that.

Any ideas on what I can do?

I am talking to the other brokerage companies that i got estimates from to see what else I can do

Yeah. Idk if it’s bc pennymac is in California. The broker is in Lafayette.

I asked another broker if they are having issues and he said he ordered one yesterday. They will receive theirs on aug 10th. He’s in Houston.

Is it a geography issue?

I am discussing other options with another lender. I want to give the current lender time to get the appraisal. When do you think the cut off date/time before I explore said options? I’m stressed bc i want to close on time and not incur new penalties from the builder.

This current lender kind of pissed me off bc she asked for my cc information to order the appraisal on July 21. They don’t charge my card until July 24th. Then I emailed her yesterday morning at 8 am asking if they received conditional approval yet. She emails a hour later saying yes.
She said she will call me with closing costs stuff. I figured the appraisal was ordered and was going to talk to her about it when she calls. Never got a call from her yesterday. I email today to ask about appraisal at 11 am and then I get an email at 1:15 pm saying that the lender told them the issue this morning. I feel like they are not responsive and I have to push for everything.
I know refi and buying homes is crazy right now but I am questioning if i chose the right broker.

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I shopped lenders and then went with a LA mortgage broker company- friend of a friend. I am in Houston and buying in Houston.

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Two big mistakes:
1. Don't do business with friends or worse friends of friends.
2. Don't do real estate business across state lines if you don't have experience or real trust.

My suggestion is find a new lender in Houston and see what they can do.

Tell your loan officer to either find another appraiser or you'll find another lender. They screwed this up by locking your rate too early...which, considering current mortgage rates, was unnecessary.

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the builder/seller said that I have to close within 45 days- Aug 21.

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That's what your contract states for closing? If yes, that's fine - just curious. But a bigger issue is, what is your financing contingency date? You may have to request a closing extension. But whatever you do, don't let the financing contingency date pass without notifying the seller in writing, if you haven't gotten final approval for the loan. You do not want this to turn into a cash contract because of an oversight.

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Two big mistakes:
1. Don't do business with friends or worse friends of friends.
2. Don't do real estate business across state lines if you don't have experience or real trust.

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This.

It sounds like you're dealing with some of these companies long distance and to be honest it's something that needs to be addressed locally and in person all things considered.

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I’ve talked to 2 mortgage companies this afternoon that have local offices here and they said they can close by 08/21. NRL and fairway mortgage.

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I would side with this. The first lender you were using is just going to cause you more headaches and delayed responses as time goes on.

Wow! With that being their response, you're doing the right thing by leaving. If there is an application withdrawal fee, that would only confirm that they aren't a company you want to do business with. (I've never heard of such).