Yeah, the level of detail they want is wild. When I refinanced last year, they flagged a Venmo for $20—turns out it was just me paying my sister back for gas. I get that they’re trying to catch fraud or whatever, but sometimes it feels like they’re just looking for reasons to slow things down. Keeping a running doc helped, but honestly, half the time I felt like I was just making up explanations for stuff that shouldn’t matter. Still, being over-prepared is better than scrambling at the last minute… even if it’s a hassle.
Yeah, the paper trail is no joke. I once had to explain a $12 PayPal transfer for a fantasy football buy-in—felt like I was being interrogated by the FBI. Honestly, it’s wild what they’ll flag. But hey, better to have too much documentation than get stuck in underwriting limbo. I always tell folks: screenshot everything, even if it’s just you paying your buddy for pizza. It’s annoying, but it saves headaches later.
Can’t believe how deep they dig sometimes. I had to explain a Venmo payment labeled “dog food” and the underwriter wanted proof it wasn’t some weird side hustle. Do they really think people are laundering money through $20 pizza splits? I get the need for documentation, but where’s the line? At this point, I’m half tempted to just use cash for everything... but then you can’t prove anything. How do people even keep track of all this stuff without losing their minds?
Honestly, it’s wild how much they scrutinize the smallest things. I once had to dig up a year-old Amazon receipt for a $12 dog toy because the payment description was “pet supplies”—felt like I was on trial for grand larceny. It gets exhausting, but I guess with all the fraud out there, they’re just covering their bases. Still, I hear you—trying to keep track of every little transaction is enough to make anyone’s head spin. I’ve started keeping a folder of random screenshots just in case... not exactly how I pictured homeownership, but here we are.
Is it just me, or does it feel like the paperwork gets more intense every year? I get that they want to prevent fraud, but sometimes I wonder if all this nitpicking actually catches the real issues. Like, are they really going to spot a major red flag in a $12 dog toy purchase? When I refinanced last year, they wanted statements for accounts I barely use—made me question if it’s worth the hassle for a slightly better rate. Does anyone actually enjoy this process, or is it just something we all tolerate because of the potential savings?
