Webfile doesn’t allow buy down. It’s to make sure your MC checks your bank account first. The webfile is only for a straight loan with no contributions. But yes go ahead and make the offer if you keep losing houses then schedule a credit access appointment yourself. If you are that sure your math is correct then you shouldn’t have anything to worry about.
@TPeguese thank you for sharing that. I was trying to be patient because I know they have so many people to help. There are more of us then there are of them. It’s just that this market is not waiting for us. If I don’t hear back by Tuesday I will move forward with making the offers.