Man, I swear the stack of forms I filled out could’ve wallpapered my bathroom. I did poke around at the state programs too, and honestly, you’re right—some of them were way less of a circus. But then there was one that wanted a letter from my third-grade teacher or something, I swear. I get the peace of mind thing, but sometimes I wonder if the “savings” are just them letting you keep your sanity. I still have nightmares about faxing documents at midnight...
I still have nightmares about faxing documents at midnight...
That line hit home. I once had a client who had to dig up a utility bill from three addresses ago, just to prove residency for a down payment grant. The hoops can get wild. I will say, though, sometimes those “circus” programs end up saving folks a chunk if they’re patient enough. Not always worth the stress, but every now and then it pays off—literally and figuratively.
