"politely asking a snail to hurry up"
Haha, exactly my experience. When I applied, the lender kept saying they'd "follow up," but weeks passed without any real progress. Made me realize how little control we actually have in this process... kinda nerve-wracking for a first-timer.
I get the frustration, but honestly, lenders aren't always the ones dragging their feet. Had a client last year who kept blaming the bank for delays, but turns out he hadn't submitted half the paperwork they asked for. Once he finally got organized, things moved pretty quickly. Not saying that's your case, but sometimes it's worth double-checking if there's anything on your end holding things up... lenders aren't always the snail in this scenario.
Yeah, I've seen similar situations myself. Had a buyer a couple months back who was convinced the lender was stalling on purpose. Every time I checked in, he'd swear up and down he'd sent everything they asked for. Turns out, he was sending incomplete docs or outdated statements, thinking they'd be good enough. Once we sat down and went through the checklist together, he realized he'd missed a bunch of small details. After that, things moved along pretty smoothly.
But to be fair, lenders aren't always innocent either. I've had deals where the bank suddenly tightened their criteria mid-process, and we had to scramble to meet new requirements. It's frustrating for everyone involved, especially when you're already deep into the transaction. So yeah, it's definitely worth double-checking your own paperwork, but also keep an eye out for any recent changes in lending guidelines. These tighter mortgage rules can sneak up on you...
Yeah, lenders definitely aren't blameless here. Had a refi deal fall apart last year because the bank changed their debt-to-income ratio guidelines halfway through.
Exactly my experience... always gotta keep your eyes peeled."It's frustrating for everyone involved, especially when you're already deep into the transaction."
Been there myself, and yeah, it's definitely frustrating when lenders shift the goalposts mid-game. Had a similar situation a couple years back—everything looked solid, then suddenly the bank tightened their credit score requirements out of nowhere. Lost a good chunk of time (and patience) on that one.
- Totally agree lenders aren't innocent here; transparency would save everyone headaches.
- Guidelines changing mid-process feels unfair, especially when you've already invested so much effort.
- On the bright side, these experiences make us wiser for next time... at least that's what I tell myself!
Hang in there—you're definitely not alone in this.
