Had a similar situation with a client recently—lender kept misplacing docs, and the appraisal dragged on for weeks. Honestly, switching lenders mid-process can sometimes reset the clock, but sticking with a disorganized lender can be equally painful.
"lender came back asking for paperwork I'd already submitted twice..."
Makes you wonder if it's just poor internal communication or something else at play. Did they at least acknowledge the inconvenience or offer any concessions on fees or rates?
I've been through something similar myself—it's incredibly frustrating when you're meticulous with paperwork and the lender isn't.
"switching lenders mid-process can sometimes reset the clock"
Exactly my concern...sometimes it's a matter of choosing the lesser headache. Hang in there, hopefully it'll smooth out soon.
Hang in there, hopefully it'll smooth out soon.
I get your point about switching lenders being a headache, but sometimes it's worth it. I stuck with a sloppy lender once just to avoid resetting the clock and ended up regretting it—took months to untangle their mistakes. Sometimes a fresh start isn't so bad...
"Sometimes a fresh start isn't so bad..."
Yeah, I hear you on that. Switching lenders can feel like jumping into the unknown, but honestly, sometimes it's better than sticking with a mess. I refinanced my VA loan last year—was super cautious about it, did tons of research first—and it turned out smoother than expected. Just take your time, double-check everything, and trust your gut if something feels off... you'll probably thank yourself later.
"Switching lenders can feel like jumping into the unknown, but honestly, sometimes it's better than sticking with a mess."
Couldn't agree more. I dragged my feet on refinancing my VA loan for months because I dreaded the paperwork and hassle. But honestly, once I finally bit the bullet, it wasn't nearly as painful as I'd imagined. The key for me was shopping around aggressively—don't just settle for the first decent offer you see. I ended up saving a solid chunk each month by pushing lenders to compete a bit. Also, watch out for hidden fees; some lenders love sneaking those in at the last minute. If something looks sketchy or unclear, don't hesitate to ask questions or walk away. Trust me, there are plenty of lenders out there hungry for your business, so make them earn it.
