Here’s the purchase timeline. Refinance closed June 18

Assuming that's all correct (I did not double check), and it's a FNMA loan, then the only other excuse off the top of my head is the integrity of the lender representatives, especially if it was the same lender

Could be lender error on preparing docs for the purchase, could fall under the allowance for children buying a home for a parent (she’s from GA, her parents would have been somewhere around 80)…or could actually be a problem