Had a similar situation last year—felt like I was just sending docs into the void. Ended up calling their main office and, weirdly, that finally got things moving. Not sure why some lenders drag their feet, but yeah, sometimes you gotta rattle the cage a bit. Hang in there, it’s frustrating but not unheard of.
Honestly, I’ve been through this circus more than once. Last time, I waited nearly two months, and every time I called, they acted like it was totally normal. It’s not. If you’re not getting answers, don’t just sit back—call, email, escalate. Some lenders just move at a snail’s pace unless you make noise. It’s annoying, but being persistent really does make a difference. Don’t let them leave you hanging.
Yeah, I’m right there with you—it’s wild how slow things can move. I’m in the middle of my first home purchase and it feels like every step takes forever. I get that they’re busy, but sometimes I wonder if they just forget about people who don’t keep bugging them. I’ve started following up every few days, even if it feels a bit pushy. It’s awkward, but honestly, it seems to help. The squeaky wheel thing is real, apparently...
Totally get the frustration. Been through a refinance last year and yeah, the waiting game is brutal.
- Following up is key. I felt like a pest, but honestly, it made a difference.
-
100% this. If you’re not pinging them, your file seems to sink to the bottom.“sometimes I wonder if they just forget about people who don’t keep bugging them.”
- Don’t be shy about calling or emailing—one time my loan officer “misplaced” a document for a week. Found it right after my third nudge…
- It’s awkward, but I’d rather be annoying than ignored.
Hang in there. It’s slow, but it does eventually move.
Honestly, I get why everyone says you have to keep following up, but I’ve seen it play out a little differently sometimes. I’ve done a bunch of refis and new loans over the years (hazard of the job), and while being proactive helps, I don’t think it’s always about who shouts the loudest. Some lenders just have better systems or more organized teams, and with those, pestering them didn’t really speed things up for me—if anything, it just added to my stress.
One thing that’s worked for me: instead of calling or emailing every other day, I ask upfront for a timeline and specific checkpoints. Like, “When should I expect an update? What’s the next step after this?” That way, if they miss their own deadline, you’ve got a reason to check in without feeling like you’re nagging. It sets some expectations on both sides.
Also, sometimes delays are legit out of the loan officer’s hands. Underwriting can get backed up for weeks if there’s a surge in applications. I had one deal where everything was on track until the underwriter went on vacation—no amount of emails from me or my broker could move it along.
I guess what I’m getting at is: yeah, don’t let your file disappear into a black hole, but also don’t drive yourself nuts thinking you have to micromanage the process. If it feels like you’re doing all the chasing and not getting answers, maybe ask if there’s someone else who can help move things forward. Or see if switching to a lender with better communication is an option next time around.
Anyway, just thought I’d throw that out there. Sometimes being “annoying” helps... sometimes it just makes you more annoyed.