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I get what you’re saying about big banks being more consistent, but I’ve actually seen a friend get a last-minute denial from one of the “big four” after pre-approval. It was right after some H1-B policy news broke, so maybe that spooked them?
I wouldn’t say it’s just a small lender thing—seems like the bigger guys can get jittery too, especially if there’s visa uncertainty in the mix. Makes me wonder if “rock solid” docs are ever really enough these days...“Curious if anyone’s actually had a big bank pull back last minute after pre-approval, or is that mostly a small lender thing?”
I’ve seen it happen with big banks too, not just the smaller lenders. Had a client last year—everything looked perfect on paper, but a sudden policy change about work visas had their approval yanked at the eleventh hour. It’s rough. Do you think banks are just covering themselves legally, or is it more about risk tolerance?
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