Yeah, the “final” checklist is honestly just the beginning of the end—there’s always one more thing. I’ve seen underwriters ask for explanations on $10 transfers or even a birthday check from grandma. It’s wild, but they’re just trying to make sure nothing weird is going on with your finances.
- The Venmo thing is super common now. Any random deposit, even if it’s tiny, can trigger a request.
- Sometimes it feels like they’re just stalling, but usually it’s compliance stuff or a last-minute audit.
- I always tell people: don’t move money around during the process unless you absolutely have to. Even then, be ready to explain every little thing.
Curious—did they ask you for any other oddball docs? I’ve heard some pretty funny stories about what people have had to dig up at the last minute...
It’s wild how deep they dig, right? I had to send in a screenshot of a $25 refund from a canceled pizza order—felt ridiculous, but apparently even that was “unusual activity.” I get that they’re trying to cover all the bases, but sometimes it feels like overkill. Have you ever heard of anyone being asked for, like, a letter from a roommate or something super random? I’ve heard some lenders get weirdly specific.
