Lender Wants to Re-structure Loan Just Before Closing. WTH???

[Daniel Ragland]

My loan processors for a lender I won't disclose out of the nowhere tells me after factoring the accurate numbers for (HOI, property taxes and flood ins) my ratio came higher than acceptable and to contact my loan consultant regarding loan re-structure. WTH??? Has anyone experienced this situation before? How should I handle this? I am suppose to close in last than a week and I been thrown this HUGE curve ball. I seems as though the lender is trying to steer me in accepting a higher interest rate to approve the loan. This is totally nuts if this is the case.

Your input is greatly appreciated.