[TomVDB]

FWIW, the lender seems to take urgency into account as well. And it's important to have a loan agent who's will to go the extra mile.

We made an offer on $2.2M house last year in July, and needed a $1.3M mortgage and $500k HELOC (so $400k down.)

We had a fantastic agent at Wells Fargo who promised he could pull it off in 15 days, at which point we'd leave on a 3 week vacation out of country.

We signed 13 days later. The guy would call us at 10pm asking for more documentation when more information was needed.

However, we had to send a copy of our plane tickets to prove to approvers further down the pipeline that there was a justifiable need for urgency.

[abraca]

That was my experience too. My guy at Wells Fargo knocked it out of the park. SOFI's service was not great. Slow to respond , often not responding to my direct questions with the info I needed, slow to move through underwriting etc. Oh and terrible rates compared to the banks I talked to. Even their technology was worse, in terms of being able to upload docs and track my loan.