Not gonna lie, I’m all for saving things twice, but my brain just can’t handle another spreadsheet. I tried that route and ended up with a “Final Docs” tab, a “Maybe Uploaded?” tab, and one called “Why Is This Here.” Didn’t help much.
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“The smaller local banks seem to have less glitchy systems, at least in my experience.”
I wish that was true for me. My local credit union’s portal looked like it was coded in 1998 and crashed if I uploaded more than two PDFs at once. Ended up emailing half my stuff anyway.
- Instead of spreadsheets, I started using a cloud folder with subfolders for each doc type. Drag, drop, done. At least then if something goes missing, I know it’s not on my end.
- Double-saving is smart, but sometimes I feel like I spend more time organizing files than actually moving the loan forward. Anyone else just take a photo of the screen as proof? Not fancy, but hey, it works when you’re desperate.
Guess there’s no perfect system... unless someone invents a “find my lost mortgage doc” app.
Honestly, I’ve just resorted to naming files with the date and lender’s initials. Not the most high-tech, but at least I can find stuff when they ask for it again (which they always do). The photo-of-the-screen trick has saved me more than once... sometimes you gotta do what works. Those portals are a nightmare.