This is in line with my thinking. But, currently I don't think it will come to that.
After my wife got in touch with the lending agent, I am more confident that it will all work out. Now the lending agent is probably blowing smoke, but it seems like the situation isn't nearly as screwed up as her assistant made it out to be. It sounds like the underwriter has all the documents that she needs and can look at the reappraisal on Monday morning and approve funding that same day. We would have to do remote signing so that will delay funding for a day. I don't think anyone would care about that.
Now, based on likely scenarios, if the lending agent's dad passes away this weekend, her assistant is pretty useless and things could go sideways quickly. Someone will have to follow-up with the underwriter to get the funding of the loan approved on Monday. And it is always possible that the underwriter wants more irrelevant documents.
Different time zones make things difficult with the lending agent on ET, the bank on CT, and the property on MT. And we have no idea where we are signing since I am in Montana and the wife is in Texas so I assume we will be frantically trying to figure it out on Monday while we are at work. Still, I guess it is theoretically possible to get the funding approved Monday and sign late in the day on Monday for a Tuesday close date. That isn't usually how it works but it is a private bank with tailored mortgage loans for physicians so maybe they are more flexible.