Required Loan Conditions...2 out of 5 aint bad, right???

We go over it on the phone. In Person. On Email. Again and again we state unquestionably "I need you to fax me the following items: Last two years W2's, your last two pay check stubs, your homeowners insurance information, your most recent mortgage statement, a copy of your drivers license, and send that back to me along with the application and disclosures you have signed".

Now...if I just said that one time, I could see how someone could miss something here and there. But I have them write down EVERYTHING I say to email/fax and read it back to me AND I email them a second time with the exact same information again, AND STILL I am sitting here putting together a file that includes SIGNED DISCLOSURES AND A DRIVERS LICENSE!

Ever tried to calculate an annual income and debt ratio from a drivers license?!?!