I have bought 7 houses prior to this one. The amount of documentation they required was absolutely ridiculous. Easily 3-4 times more “stuff” than any lender I have previously dealt with and that is not hyperbole. And no communication between the different levels of people I dealt with. Waaaaay too many hoops to jump through and people to deal with. They weren’t jerks or anything like that. Actually very kind and always answered their phones. Michele was fantastic! But the amount of “stuff” each level required was mind-numbing and awful (and arbitrary and unnecessary. ) Just a FEW examples. “We need two years of income tax returns.” “Now we need two years of IRS transcripts. Use this link to get that.” (Link didn’t work). “We need a letter from you retirement financial advisor stating your income.” “Now we need another stating when that income starts.” “Now we need one stating that income will continue for at least three years.” “ Now we need one that says you have unrestricted access to that retirement account.” “Now we need a statement for the last two months of that account.” (I explained that I literally retired the previous week and there is no account activity yet.) “Well, we still need the last two months activity.” What???? “We need verification of your last two years of employment.” I’m retired, worked for the same company for 29 years, what would you like two see? “Something that shows your last two weeks of work.” (I sent my last two paystubs which apparently worked...). The most baffling and intrusive thing I had to provide was a “signed statement” as to why I was moving from Washington to Virginia. The answer was to be close to my son and his family since I had just retired. The answer I should have given is “ It’s none of your damn business.” These are just a few of the many hoops I jumped through at each level of the process (Pre-approval, approval, pre-underwriting, underwriting, pre-closing and final closing.) Each step was a horrible experience. I would recommend them to no one.