Couldn’t agree more—paper trails are your best friend when dealing with lenders. I’ve had files “go missing” mid-negotiation, and suddenly nobody remembers the last conversation. Keep everything in writing, even if it feels tedious. It’s saved me more than once.
Honestly, I get why people say keep everything in writing, but sometimes it feels like overkill. But then again, I had a lender “forget” a rate lock once—luckily I had the email thread. It’s a pain, but it does protect you when things get sketchy. Just wish it didn’t have to be this way, you know?
Yeah, it’s a hassle, but man, those paper trails have saved me more than once. Had a short sale where the lender “misplaced” our agreement on the payoff—if I hadn’t had every email and doc, that deal would’ve tanked. It’s annoying, but lenders can get forgetful when it benefits them. Guess it’s just part of the game... like keeping receipts for everything at tax time.
Yeah, I hear you—lenders “forgetting” stuff isn’t exactly a rare thing. I’ve had to resend docs more than once just to keep things moving. Curious though, have you ever had a lender actually backtrack on something they agreed to, even when you had the proof? I’ve heard stories but haven’t run into it myself. Just wondering how ugly it can get if they really dig in their heels.