This is a simple blog post….
Expect any and all mortgage folks to torture the sh*t out of you. Period. And I don’t care if you are using someone who you know or have used in the past. The torture part is unavoidable as rules and regs have changed considerably even in the past few years. Even well established condos like say 1830 Rittenhouse Square are going to require heavy scrutinization (buildings get scrutinized as well as buyers).
Remember the banking meltdown we had in 2008? Well- the result of that is higher standards and much much more paperwork that is expected from all buyers. There is no escaping that fact. Will you dislike your mortgage person a bit after you get put through the wringer? Perhaps.
Best to expect the worst and know that “Rome wasn’t built in a day”. Patience and understanding go a long way in smoothing out the bumps in the road that you are sure to encounter when procuring a mortgage.