Honestly, I’m starting to think these lenders just pick their favorite tech at random. I get the whole “email attachments only” thing, but last time I did that, my files bounced back because they were “too large.” Ended up having to split a PDF into six parts like some kind of digital origami.
But here’s the thing—Google Drive isn’t always as smooth as it should be either. Had one lender claim they “couldn’t access” my folder because their firewall blocked it. Not sure if that’s true or just an excuse to avoid learning new tools. Either way, every lender seems to have their own secret handshake.
Honestly, I’ve just started asking upfront what they’ll accept before I even start gathering docs. Saves a lot of back-and-forth and headaches. Still feels like we’re all beta testing this process for them though...
Yeah, the tech inconsistency is wild. I’ve had lenders insist on encrypted portals one week, then the next week it’s “just email us a photo of each page.” Makes you wonder if there’s any real policy or if it’s just whatever their IT guy set up that morning.
I do the same—ask upfront what they’ll actually accept. Cuts down on wasted time, but still doesn’t fix the fact that half of them seem allergic to anything cloud-based. Not sure if it’s security paranoia or just not wanting to deal with change.
Have you ever had a lender ask for something totally off-the-wall, like faxing docs or using a weird proprietary upload site? I’ve run into both and always wonder who’s making these decisions...
I once had a lender insist on a fax—like, an actual physical fax machine—because “that’s how we’ve always done it.” Meanwhile, their website had a login for document uploads that didn’t work half the time. I swear, sometimes it feels like they’re just picking whatever method will be the most inconvenient. I get wanting to be secure, but there’s got to be a middle ground between 1995 and the cloud. The proprietary upload sites are the worst, though... half the time you need a new password every single visit.
Fax machines... I feel your pain. I once had to drive across town just to find a working one because the lender’s “secure portal” was down for maintenance—again. It’s wild how some places cling to old tech while pretending to be modern. There’s definitely a better way, but getting everyone on board is another story.
It’s wild how some places cling to old tech while pretending to be modern.
Right? I swear, the last time I had to fax something, I felt like I was sending a message by carrier pigeon. The irony is, they’ll tout their “cutting-edge” security, but then you’re stuck feeding paper into a machine from 1998. It’s like the Twilight Zone of lending.
