Thinking about refinancing my VA mortgage, curious what others are doing

Interesting point, but I'm not sure it's just about internal organization. Could it also have something to do with the complexity of each borrower's financial situation? For example, someone self-employed or with multiple income streams might naturally face more document requests and last-minute asks. Maybe your brother-in-law's lender wasn't actually disorganized, just dealing with a more complicated scenario? Curious if anyone else has noticed this difference based on their own financial circumstances...

"someone self-employed or with multiple income streams might naturally face more document requests and last-minute asks."

Yeah, that's exactly what happened to me. When I refinanced last year, being self-employed turned it into a paperwork nightmare. Felt like every day they needed something new... wasn't disorganization, just the nature of my finances.