[WarrenC12]

I just went through the process of purchasing (including financing) for real estate for the 2nd time in my life. First time was around 2000.

I am far more stable financially, and putting a large down payment into this purchase, whereas I was scraping 5% the first time around.

The number of hoops I've had to jump through is almost ridiculous, both on the down payment side (source of funds), and the lender side (digging deep into all aspects of my financial status).

I was very surprised. And this is for a mortgage that in the end is very manageable for our household, at little to no risk to the lender (since my equity in the property is such that they will never lose out if forced to foreclose on me).