Honestly, it’s like they want you to have a time machine for paperwork. I swear, every time I think I’ve sent them everything, they come back with some random request—like a pay stub from 2016 or proof my dog’s not on the title. Digital folders help, but even then, you’re just playing document whack-a-mole. The whole process could use a serious update... but yeah, this is pretty much par for the course. Just gotta keep pushing through and hope they don’t ask for your kindergarten report card next.
Honestly, I get where you're coming from, but I don’t think it’s quite as chaotic as it seems. The requests do feel random, but they’re usually tied to some regulation or missing info that’s got to be checked off. I’ve refinanced twice now, and both times the paperwork grind felt endless... but I kept a running checklist, which helped keep the surprises down. Not saying it’s perfect—far from it—but sometimes it’s just about getting ahead of what they might ask for.
The requests do feel random, but they’re usually tied to some regulation or missing info that’s got to be checked off.
Yeah, I get that, but sometimes I wonder if lenders actually know what they need up front or if they're just winging it half the time. I’ve had them ask for the same pay stub twice, then turn around and request a letter explaining a $50 deposit from three months ago. Is it really all about regulations, or is it just disorganization? The checklist idea helps, but it doesn’t always stop the curveballs. Anyone else ever feel like they’re just making it up as they go?
Honestly, I’ve wondered the same thing. During my last refi, they asked for my W-2 three separate times, and then circled back to request a “clarification” on a Venmo transfer for $30. Here’s how I started handling it: I made a folder with every possible document (pay stubs, tax returns, bank statements, even random letters explaining deposits) and just kept updating it. Didn’t stop the weird requests, but at least I could send stuff back fast. Still, it does feel like they’re just ticking boxes sometimes without actually looking at what you’ve already sent...
