Our scores were both over 750k. We have been in our jobs 10+ years. We still had to produce a lot of documents repeatedly, bank statements, W2s, current checks, etc. We did an FHA w/only 3.5% down. I thought maybe they were scrutinizing b/c it’s an FHA. We really had to jump through a lot of hoops on the loan. I tried very hard to make sure we weren’t getting in over our head. They even told us we qualified for more. But they wanted a lot of paperwork. We ended up w/a longer escrow, so we had to keep producing current documents. They are going the opposite spectrum now when it comes to proving your income, down payment, savings, etc.
Edit: Oh, I forgot. They inquired about weird things, too, like why we had a PO Box and inquired about relationship to addresses that showed up on credit reports, some as far back as 20 years ago.
