This is common practice. We can thank all those who misused the lending system during the real estate boom for all the strict practices and double , tripe checking of info going on now.
My advice, just be patient. You ill get through the process.
Best of Luck to you!!!
Kawain Payne, Realtor
It depends on your specific situation. I am a Mortgage Originator on Staten Island, that deals with many Banks. My plan of attack is always to submit a complete file to the Bank along with the Application. More often than not we can anticipate the questions that will arise based on the borrowers specific situation, and head them off.
You know your situation better than anyone. Work with a Mortgage Originator early on in the home buying process to prepare a very clean loan file.
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