The Mortgage Files

Nationally syndicated mortgage news and advice from Senior Loan Officer Scott Sheldon.

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Why Lenders Request the Same Documents More Than Once

By Scott Sheldon / September 14, 2025

If you’ve ever applied for a mortgage, you’ve probably wondered why lenders sometimes ask for the same documents more than once—or even request new paperwork late in the process. While it can feel frustrating, there are good reasons these document requests pop up at different stages of a loan file. Why Duplicate Requests Happen A…

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