Again thank you all for your concern and support!!! It has really helped to calm my nerves... it is going to be a rough few weeks though, i just bought a home that i close on feb 28th, just graduated college and got a job i started jan 10th.... it is just a lot of stress but i feel EXTREMELY blessed!

The concern i have now is that if it is fixable, where do i take it? and also how do i let the agent understand whats going on with my TOD? Any advice would be greatly appreciated!