Sometimes when things appear similar on the surface are in fact vastly different. My twin daughters for example, both extremely smart but couldn’t be more different. My 5K run vs your 5K run, yes the distance may be the same but you could be training hills while I am running flats. My Nissan Pathfinder vs my friends Pathfinder, same vehicle but two different dealership experiences and reliability histories.
The same can be said about your mortgage experience. Even when rates are similar, lenders can vary widely with pre payment privileges, qualifications and credit guidelines. This can also apply between brokers and with the same lender. This will all have to do what process they use.
If the bank and or broker that you are using has gotten you approved without requesting your income confirmation or reviewing all your documents then they have given you a disservice. There is a reason why I don’t post rates on my website it’s because every situation and every client is different. The best way to ensure that they’re no surprises for myself or the client is to obtain all the potential documents upfront and throughly review them prior to submission.
I like to have as little stress as possible in the whole transaction for all involved. So going over everything upfront prevents that from happening and provides a much simpler funding for clients, brokers and lenders.
I look forward to hearing from you in regards to your mortgage needs.
p.s.s- I should tell you that I am licensed in Nova Scotia, Ontario(M18001555) & in British Columbia(BCFSA #504098).