so I was able to reach the agent but got the most useless answer ever, all she can say is that I will receive an email or letter in writing with the decision and she cannot disclose any more details. It makes me soooooo nervous right now, there has not been anything updated yet. I am pretty sure I met all 3 years income and even has my wife as cosigner. Despite repeating asking for details, the agent would not disclose anything, all she says is that I will receive written notification of results. Now I am like standing on fire!