I've been trying to secure a jumbo loan to refinance my rental property, and man, the hoops they make you jump through are insane. Feels like they want everything short of my blood type, lol. Anyone else had this headache lately?
Haha, seriously... feels like they want your kindergarten report card too. Recently had a client whose lender asked for proof of a $50 Venmo payment from months ago—talk about overkill. Hang in there, it's worth it eventually.
Haha, I feel your pain—sometimes lenders really do get carried away. Did they ask you yet for explanations on random deposits from months ago? Had one lender grill me about a $200 birthday check from my grandma... seriously, grandma money? But honestly, from their perspective, they're just checking boxes to keep their underwriters happy. Have you tried organizing everything upfront in a shared folder or something? I found that being overly prepared—almost annoyingly so—can sometimes speed things along. Still, no matter how ready you are, they'll always find something random to question. Hang tight, once you get through the hoops, it usually smooths out.
