3 Onerous Things Our Mortgage Lender Made Us Track Down

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When my husband and I put in an offer on a house in September 2019, I figured the hardest part would be saying goodbye to a decade’s worth of savings to afford the down payment.
That part was difficult. But so was the document-hunting beyond the typical paper trail like bank statements and tax returns our lender required.
Granted, our situation was complex: We’d casually attended an open house and fallen in love with the home, but we hadn’t even sought a mortgage preapproval yet. So we were approaching the process a bit out of order and were underprepared for the paper chase that ensued as a result. Add to that a seller who wanted to close quickly, and we were in for a total scramble to the finish line.
We got the loan, but here’s what I wish we’d been better prepared to track down or explain.
Mortgage loans from our partners

on New American Funding
on New American Funding

on GO Mortgage
GO Mortgage
4.0
NerdWallet rating
4.0
NerdWallet ratingon GO Mortgage
Mortgage loans from our partners

on New American Funding
on New American Funding

on GO Mortgage
GO Mortgage
4.0
NerdWallet rating
4.0
NerdWallet ratingon GO Mortgage
on Veterans United