I totally get where you’re coming from. I used to think a killer credit score was the golden ticket too, but it’s wild how much more they want. Like, I had to explain a random $100 deposit from my grandma—felt like I was on trial or something. Do you think lenders are just extra cautious these days, or is this level of scrutiny normal? I wonder if anyone’s actually breezed through the process just because of their score, or if it’s always this much of a hassle no matter what. Maybe it’s more about income stability and paper trails than just the number?
I’ve seen folks with 800+ scores still get grilled over every little bank transfer. Lenders are definitely digging deeper than they used to—post-2008, they just don’t take anything at face value. I always tell people, the score opens the door, but your paperwork gets you through it. Ever notice how self-employed folks get it even worse?
