I have noticed that there are more hoops to jump through this year in order to purchase or refinance, especially if you are self-employed. A bit annoying, but at least the interest rates are really good still!!
So, I suggest you listen carefully to your lender and follow their list of wants & needs, as they are just trying to do the best job they can of helping you to obtain your goals. I have helped clients on many occasions with scanning or faxing their documentation, as our office equipment has great quality and certainly makes the job of scanning a huge stack manageable. And if your lender says you're not quite ready to buy, make that to-do list and tackle it at a reasonable pace in order to achieve your goals of buying in the coming months to year!
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