Couldn’t agree more—there’s just no substitute for keeping your own eyes on the details, especially with mortgages. I’ve seen deals fall apart over missed paperwork or last-minute surprises more times than I’d like to admit. Even with a team I trust, I still set reminders and follow up personally. It’s a pain, but honestly, that’s what protects you from costly mistakes. You’re right, it’s not about micromanaging every step, but having your own checks in place is just smart.
I get wanting to stay on top of everything, but honestly, if you pick a broker who’s really on their game, you shouldn’t have to babysit the whole process. I’ve had better luck focusing on my credit and letting the pros handle the paperwork. At some point, you’ve got to trust the people you hire—or why bother hiring them?
I get where you’re coming from, but I’ve learned the hard way that even a “top” broker can drop the ball. Had a deal almost fall through last year because my broker missed a doc request from the lender—caught it myself just in time. Trust is great, but I still keep an eye on things. It’s your money and your credit on the line, after all.
That’s pretty much my approach too—double-check everything, even if your broker seems on top of it. I’ve had a couple of close calls where missing a single signature would’ve delayed closing. It’s a pain, but worth the peace of mind.
It’s a pain, but worth the peace of mind.
Couldn’t agree more. I just refinanced last year and honestly, I thought my broker had it all handled—until I caught a missing initial on one doc. That would’ve set us back at least a week. Here’s what worked for me: 1) Keep a checklist of every doc you sign, 2) Ask for copies as you go, and 3) Don’t assume anything’s “done” until you see proof. It’s tedious, but like you said, way better than scrambling at the last minute.
