Honestly, I'm starting to feel like getting a mortgage these days is more like passing some kind of intense exam than just buying a house. I mean, the amount of paperwork and those super picky guidelines from lenders—it's like they're looking for reasons to say no. Anyone else feeling like the rules have gotten way too tight lately, or am I just unlucky here?
Totally get where you're coming from—when I refinanced a couple years back, it felt like they wanted everything short of my kindergarten report cards. But I'm curious, do you think it's mostly the lenders tightening up, or could it also be the housing market itself making banks extra cautious? Seems like every time prices spike or dip, the paperwork doubles...
Had a similar experience when I refinanced last year—felt like they were digging through my entire life story. Honestly, I think it's a bit of both. Banks get jumpy whenever the market swings. Wonder if credit scores are becoming even more critical now...?
