That’s the thing—nobody ever expects their “sure thing” to fall apart. I’ve seen folks get burned by ARMs more than once. Fixed rates might seem borin...

- Totally agree on the I-94. I had to submit mine twice because one lender said the scanned copy “wasn’t clear enough.” - On the employer letter—yep...

- Right there with you on the paperwork headache. It felt like every other day they needed another document or statement. - When I went through pre-qu...