An update to my unanswered question and an update to my loan processing:
I submitted the approval e-mail from the Fed Choice loan officer along with online print out of account approval due to the wording in the loan approval e-mail stipulating the account opening needs to be approved. Later in the day yesterday, I get a reply back stating that I need an official approval letter. I'm like, WTF, I just attached everything that is as official as it gets for online communication. So I replied back with the same loan approval attachment. I get an e-mail back again stating the same thing. At this point, I'm frustrated what constitutes "official letter" that Lightstream is requesting. So I requested further clarification. Before closing out of the night, I send one last message to Fed Choice requesting an official letter detailing the loan agreement for review. I get a reply back from the loan officer this morning that one will be prepared. Also this morning, I get a reply stating I should call Lightstream. So I called in, explained kindly to the representative about my situation, and about 5-10 minutes later, I was approved. There appears to be some misunderstanding or overlooked issue with the account approval requirement stipulated in the loan approval email, even though I submitted clear evidence that the account was approved. So a simple approval e-mail with pertinent information regarding the loan purpose, the rate and term length is official enough for Lightstream. At this time, I'm still waiting on Fed Choice to get me an official letter, which is now moot