Lack of communication from home loan provider.?

That's how it works. They have to run various checks, including liens on the house, a title search, have the house appraised (which must pass inspection and, if it does not, you will only be given about one week to bring it up to speed). If all that checks out okay, then you get the loan. The process can take 3 or 4 months or longer. If you just applied, you might have to extend the closing date.

It's not done overnight, you should hear something within a week. They won't be working on weekends.

"conditional approval" = the amount of money they will lend you based on your income and credit rating

Now they have got to take the house you wanna buy into account (e.g - its condition, its price)

They may have given conditional approval for 100k - but they aint gonna lend you 100k on a house THEY value at 90k.

What YOU are gonna pay for it is irrelevant

They MAY lend you 100k on condition you have some work done on it (at your expense)

Be proactive and call the processor yourself. Basically the processor is going to ask you for all your financial documents to back up everything you claimed on your loan application.

A verbal 'conditional' approval, it can take hours/days/weeks before that conditional approval is approved and you are sent conformation..... phone the loan officer back and find out, the loan officer should be able to chase your application up and see it has been approve or not