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Honestly, even with a killer credit score, you’re still running the paperwork gauntlet. Here’s what I see all the time:
- Great score? You’ll get better rates, but you’re still digging up tax returns, bank statements, maybe even letters from your accountant if you’re self-employed.
- Lenders want to see the full story, not just the headline number.
- Had a client last month—800+ score, but self-employed. Still took weeks to get everything squared away.
It’s like having VIP tickets but still waiting in line... just a slightly shorter one.
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