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Yeah, I get the logic behind trimming down small expenses, but it feels like lenders sometimes go overboard. Wonder if anyone's had issues with bigger one-off purchases—like furniture or appliances—affecting approval? Seems harsh to penalize practical spending...
I've seen that happen a few times, actually. Had a client who bought a new dining set and some appliances right before closing—seemed practical enough—but the lender flagged it as increased debt load. It didn't derail the deal entirely, but it did cause some stressful delays. Makes me wonder if lenders might ease up a bit if buyers provided clear explanations upfront about these bigger purchases...or is that wishful thinking?
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