"Makes me wonder though...do you think lenders who are overly eager to please upfront might be just as risky as the ones who dodge specifics?"
That's an interesting angle. I had a similar experience a couple years back when I was working on a residential project. The lender was super enthusiastic, always available, and seemed genuinely invested in making things easy for me. But whenever I asked about specific terms or requested detailed breakdowns, he'd brush it off with something like "Oh, that's just standard stuff, nothing to worry about." It felt reassuring at first, but eventually it started to feel...off?
I ended up pushing harder for clarity and discovered some hidden fees tucked away in the fine print. Nothing illegal or anything, but definitely not transparent either. Made me wonder if that eagerness was just a tactic to distract from the details.
Maybe it's not always intentional deception—could be they're just trying too hard to close the deal quickly—but either way, it taught me to trust my gut when things seem overly smooth or vague. Has anyone else noticed this pattern?
I get where you're coming from, but honestly, I've dealt with lenders who were super eager upfront and turned out fine. Sometimes they're just new or trying to build their client base, so they're extra responsive and accommodating. The key isn't necessarily their enthusiasm level—it's whether they willingly provide clear answers when you ask direct questions. If they dodge specifics or brush off your concerns repeatedly, that's the real red flag...regardless of how friendly they seem initially.
That's a solid point, but I still think enthusiasm can sometimes cloud judgment—yours or theirs. I've met lenders who were super responsive at first but started getting vague when I pressed for specifics about fees or timelines. One guy kept saying "don't worry about it" whenever I asked detailed questions...turned out there were hidden fees he conveniently skipped mentioning. Enthusiasm's great, sure, but always trust clarity and transparency first.
"Enthusiasm's great, sure, but always trust clarity and transparency first."
Couldn't agree more—enthusiasm can definitely mask red flags if you're not careful. I've seen similar situations with lenders who initially seemed fantastic but became evasive when specifics came up. One thing I've found helpful is requesting a detailed breakdown in writing early on. A trustworthy lender usually has no issue providing clear documentation upfront. If they're hesitant or vague about that...well, that's usually a sign to tread carefully.
Good points here, but I'd add one more step—check reviews and references independently. I've had lenders who seemed totally transparent at first glance, but when I dug into online reviews or asked around, some hidden issues popped up. It's easy to overlook this step when you're excited about a deal, but taking that extra half-hour to research can save you a ton of headaches later on...trust me, learned that the hard way.
