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Ugggh. Escrow is soul-destroying.
We're trying to lock down our mortgage. Apparently everybody who writes mortgages still thinks that the only good borrowers are company men, with a single W2 source of income, one savings account with $950,000 in it, and impeccable tax records for the last 19 years.
The sheer volume of paperwork involved in getting a mortgage is staggering, especially when your income sources include self-employed musician, small business owner (wife's floral design business), a University where 20% of your income is from "overload" teaching assignments that you do every year but aren't part of your base contract pay, and the winner, royalty income from previously published music (they love that one).
Somebody needs to simplify this process.
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