I agree. Our loan officer pretty much had us turn over every single piece of documentation before we signed the paperwork. He said that he is building our file so that when it gets to the underwriter it has less of a chance for being sent back. I mean everything I could think of. And even random things I thought of he was like oh yes give those to me too. I guess its for the better. Then he said all we should have to provided, granted he had everything they wanted to see, would be recent paystubs and bank statements before we close but that is normal.
I would if I were anyone get all your paperwork together you can think of to have handy. Old tax returns, get them from your accountant, old paystubs, letters from employeers about pay raises, 401k information, any letters from loan companies, student loans, documentation from any account you own that may be in questionable standing and corrections you made, documentation from our landlords. Thankfully we had been working on this for over a year, as far as fixing our credit scores so most everything was at my fingertips.
