HA!
Consider a couple in their 50’s, each with 800+ credit scores.
Each just sold their respective prior residence.
New home purchase equals total of of those 2 sales.
LTV is 40%
We were badgerd every step of the way by the lender and the underwriter, right up to the day before closing.
“bring me a rock”...”no, not that rock, a different rock”....
Yup! Same happened to us last year. We were both 820+ buying a home less than my annual salary. It still took 5 months and we had to even change lenders. I have 5 previously paid off 5 mortgages and ZERO non-secured debt and investment assets of greater value than our loan. Yet, we still got the BS run around by our commercial bank of more than 20 years. They are no longer our bank.
Ah, yes, my favorite game.