I've been going through the whole mortgage paperwork thing lately, and honestly, it's a bit overwhelming. Here's what I've been doing: first, I got all my financial docs together—pay stubs, tax returns, bank statements, you know, the usual suspects. Then I organized everything into clearly labeled folders (digital and physical, because I'm paranoid lol). Next, I double-checked the lender's checklist to make sure I wasn't missing anything. Finally, I scanned everything into PDFs for easy emailing.
Does this sound about right, or am I making life harder than it needs to be?
You're actually doing pretty great—better prepared than most folks I work with, honestly. Having everything neatly organized in both digital and physical formats is smart, not paranoid. I've seen people scrambling last-minute for missing docs, and trust me, that's way more stressful than what you're doing. Scanning into PDFs is also a solid move; lenders appreciate when you make their lives easier too.
One small tip: don't overthink the double-checking part too much. It's good to be thorough, but remember your lender or broker is there to help catch anything you might miss. It sounds like you've got this under control, though. Keep it up—you're making the process smoother for everyone involved.
