felt like I was on trial for cheese crimes
That line cracked me up. But yeah, the paperwork is wild. I remember having to dig up a six-month-old Venmo receipt just to explain a $20 transfer—turns out lenders don’t like “pizza night” as a memo either. The FHA process for non-permanent residents is possible, but it’s not for the faint of heart. It’s like they want your entire life story, plus a few plot twists you didn’t know about. I swear, half my stress wrinkles are from that loan application.
Honestly, I get that the paperwork feels overwhelming, but I didn’t find the process quite as dramatic as some describe. Yeah, they want a lot of documentation, but it’s mostly stuff you’d expect—proof of income, residency status, that sort of thing. I actually appreciated how thorough they were, since it made me feel like there wouldn’t be any surprises later. Maybe I just had a less complicated financial history, but I’d take a mountain of forms over last-minute issues any day. The “pizza night” memos are funny, though... probably best to keep those a little more generic next time.
I actually appreciated how thorough they were, since it made me feel like there wouldn’t be any surprises later.
I get that, but I think for non-permanent residents it can be more than just "expected" docs. My buddy had to jump through extra hoops for his work visa proof and got asked for translations on top of that. Maybe it just depends on the lender? Some seem way pickier than others.
Yeah, I’ve noticed that too—some lenders just seem to make up their own rules. Did your friend end up paying extra for those translations, or was it something the lender helped with? Just trying to figure out if those added costs are common.
Yeah, those extra translation fees can sneak up on you. In my case, the lender didn’t cover them—had to pay out of pocket. It’s frustrating because some lenders are way stricter than others about documentation. Honestly, shopping around is worth it just to avoid those surprise costs.
