"Did anyone else feel rushed despite having financing sorted early?"
Yeah, totally get what you're saying. Even though I had my financing locked down pretty early, I still felt like things got hectic towards the end. Maybe it's less about indecision and more about all those little unexpected details popping up last minute? Curious—did anyone find that sticking with the builder's lender made the final stages smoother, or was shopping around worth the extra hassle?
I actually went with the builder's lender thinking it'd simplify things, but honestly, it still felt pretty chaotic toward the end. There were still last-minute requests for documents and clarifications...not sure if shopping around would've made a difference. Did anyone who shopped around find a lender who handled those final details better, or is it just the nature of the beast no matter who you go with?
Went through this a few times myself, and honestly, it's always a scramble toward the end no matter who you use. Some lenders are slightly more organized, but last-minute doc requests seem pretty universal...just part of the process, unfortunately.
Yeah, seems like no matter how prepared you think you are, there's always that last-minute scramble for paperwork. I remember when we refinanced, thought we had everything lined up perfectly, then bam—day before closing, they suddenly needed some obscure tax form from three years ago. Felt like a scavenger hunt through old boxes in the attic, lol. Honestly, I'd say go with whoever gives you the best deal overall, because the paperwork chaos is probably unavoidable either way...
I get what you're saying about paperwork chaos being inevitable, but honestly, my experience was a bit different. When we built our last place, we stuck with the builder's lender thinking it'd streamline things. Sure, it was convenient at first, but later on, talking to neighbors who shopped around, we realized we probably missed out on better rates. Maybe the paperwork scramble is unavoidable, but I'd still say it's worth checking out other lenders—could save you a decent chunk of change in the long run...
