I’ve seen requests for proof of deposits that were literally already in the account statements they had... Go figure.
That’s happened to me too—one time they asked for a letter explaining a $200 transfer from my own savings to checking. I get the need for documentation, but sometimes it feels like they’re just checking boxes without looking at the actual info. Makes you wonder if anyone reads the paperwork before sending those requests...
It’s wild how much of this process feels like busywork. When I refinanced last year, they flagged a $75 Venmo transfer from my wife to me—literally just splitting groceries—and wanted a signed letter about it. I get that they’re trying to prevent fraud or whatever, but at some point, common sense has to kick in, right? Sometimes I wonder if the underwriters are just following a checklist without actually reading what’s in front of them.
I’m curious—has anyone ever pushed back on these requests and gotten them waived? Or is it just easier to play along and send whatever they ask for? I feel like if you question it too much, you risk slowing down the whole process... but man, it gets old fast.
Sometimes I wonder if the underwriters are just following a checklist without actually reading what’s in front of them.
Honestly, it does feel like that sometimes. I’ve seen folks try to push back, but usually it just drags things out. The $75 Venmo thing is classic—underwriters are super risk-averse, so even tiny stuff gets flagged. It’s usually faster to just send the letter and roll your eyes later. Not fun, but it keeps the wheels turning.
It’s wild how a random $75 transfer can turn into a full-blown documentation request. I get that underwriters have to be thorough, but sometimes it feels like they’re missing the forest for the trees. I’ve had clients get flagged for things like reimbursing a friend for pizza. Honestly, just sending over the letter is usually less painful than fighting it—unless it’s something major, then yeah, push back, but for the small stuff? Not worth the headache. The system isn’t perfect, but until it changes, playing along saves time.
Honestly, just sending over the letter is usually less painful than fighting it—unless it’s something major, then yeah, push back, but for the small stuff? Not worth the headache.
I get where you’re coming from, but I’ve seen those “small stuff” requests snowball. Once had a $50 Venmo to my sister turn into a week-long back-and-forth. It’s tempting to just hand over whatever they want, but sometimes I worry about setting a precedent. If you give them every little thing without question, they’ll keep asking. I’d rather be cautious and ask why they need it, even if it slows things down a bit.
