We are extremely well qualified buyers. Purchasing property to move primary residence to then sell current property. Credit above 815, no foreclosures, no bankruptcies, no late payments, 40+year positive history. Own 2 properties with over 75% equity, have 200% needed to purchase new property in CASH in bank, have another 200% needed to purchase in retirement accounts, have active, passive and investment income. Plan on putting 50% down, financing other 50%. This should have been an easy extremely low risk loan to fund. We were pre-approved by local lender but made mistake of looking for "better" deal. While offering a better rate, this Lender kept asking for more documentation, changed rules and requirements daily, claimed cash in bank was no proof we could pay mortgage! Communication was terrible. Last straw was when they attempted to get us to start distributions from multiple retirement accounts to "prove" we could pay new mortgage. When we reminded them we were not of retirement age yet and penalties would apply, they told us they could not fund the loan. None of this was a surprise, they had all this information from day one. In my opinion these people are scam artists. I would avoid them like the bubonic plague.