Chrissi Chapman Topoleski, Passionate about helping others achieve success! (Coldwell Banker Realty)

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John Meussner
Mortgages in AZ, CA, CO, DE, FL, GA, MD, MT, NC, NJ, NV, OK, OR, PA, SC, TN, TX, UT, VA, WV - Walnut Creek, CA
#MortgageMadeEasy Walnut Creek, CA 484-680-4852

I rarely have that happen, BUT what I see frequently is a client that says "Oh I already sent that" and they have not.  I'm working with a client now where I've requested the same information 10 times --- but it's an issue with the client sending everything EXCEPT for what I asked for, or sending partial/incomplete info.


Other times, we've gathered info over the course of months -- perhaps I got paystubs to do a preapproval, and by the time a contract is in place, we need updated ones.  


There are a lot of reasons, and yes, one of them could simply be a poorly organized entity.  Or poor communications (rather than a closer asking the processor/LO if they already have something, they'll reach out to someone else).  Most times, though, it's people sending in incomplete info, leaving out pages, missing a signature, or something else along those lines.

Mar 09, 2016 04:26 AM
Certified Mobile Notary Signing Agent - Smith Mountain Lake, VA
Highest Ranked Certified Mobile Notary in Virginia

I just got off the phone with Chrissi Chapman Topoleski and she was a pleasure to talk to.   THANK  YOU for taking my call.  We came to a resolution.  Always have a LICENSED professional Lender on standby to answer questions like this.  Communication is key.   

Mar 09, 2016 08:35 AM
Bob Betel
Allstar Home Mortgage, Inc. - Sweetwater, TN
President, Allstar Home Mortgage, Inc

It is caused by a lack of comunication caused by the loan officer.This is one reason I am a one person operation. No loan officer, processor or closer. Just me, I do it all and I only need the information ONCE. Doing a loan, it's really not that hard people. Just do your job correctly.

Mar 09, 2016 05:17 AM
Lyn Sims
RE/MAX Suburban - Schaumburg, IL
Schaumburg Real Estate

It's really annoying isn't it. Now because of TRID they ask us for our license #'s which I am not thrilled about giving out. Don't know why they need it but they do here.

Obviously they don't have one database or it wouldn't happen.

Mar 09, 2016 04:27 AM
Michael Thacker - Re/Max Real Estate Center - Louisville
Re/Max Real Estate Center - The Thacker Group - Louisville, KY
Your best friend who just happens to be a Realtor


Mar 09, 2016 03:47 AM
Bob Crane
Woodland Management Service / Woodland Real Estate, EXP - Stevens Point, WI
Forestland Experts! 715-204-9671

I seldom have that problem.

Jun 07, 2019 09:38 PM
Joan Cox
House to Home, Inc. - Denver Real Estate - 720-231-6373 - Denver, CO
Denver Real Estate - Selling One Home at a Time

I think they want to be SURE they cut down a whole tree.   This is so annoying to buyers! 

Mar 11, 2016 01:02 AM
Ryan Huggins - Thousand Oaks, CA - Thousand Oaks, CA
Residential Real Estate and Investment Properties

Because the left hand doesn't know what the right hand is doing.

Mar 10, 2016 04:00 AM
Roy Kelley
Realty Group Referrals - Gaithersburg, MD

Sometimes. They do not always get the same answers.

Mar 09, 2016 11:21 PM
Sandy Padula and Norm Padula, JD, GRI
HomeSmart Realty West & Lend Smart Mortgage, Llc. - Carlsbad, CA
Presence, Persistence & Perseverance

The forces in the chain of command do not intercommunicate. Sad!

Mar 09, 2016 08:33 PM
Joe Petrowsky
Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709 - Manchester, CT
Your Mortgage Consultant for Life

Good morning Chrissi. It is not usually the same thing, as numbers change on statements each month or a further explanation is needed.

Mar 09, 2016 05:58 PM
TeamCHI - Complete Home Inspections, Inc.
Complete Home Inspections, Inc. - Brentwood, TN
Home Inspectons - Nashville, TN area - 615.661.029

 I would have to say it's due to a lack of communication.

Mar 09, 2016 05:25 PM
Patricia Kennedy
RLAH Real Estate - Washington, DC
Home in the Capital

Maybe they just like to be redundant.

Mar 09, 2016 02:49 PM
Praful Thakkar
LAER Realty Partners - Andover, MA
Andover, MA: Andover Luxury Homes For Sale

Chrissi Chapman Topoleski - it's a difficult question to answer for sure.

I'd perhaps expect a better system from the lender if this is happening on every transaction.

Mar 09, 2016 12:54 PM
Inna Ivchenko
Barcode Properties - Encino, CA
Realtor® • GRI • HAFA • PSC Calabasas CA

I do not even ask. Working with short sales, I learn to give them what they want as many times as they want. It can be ridiculous, but I'm not the one to judge. 

Mar 09, 2016 12:41 PM
Debbie Reynolds, C21 Platinum Properties
Platinum Properties- (931)771-9070 - Clarksville, TN
The Dedicated Clarksville TN Realtor-(931)320-6730

It used to be like that in my area but over the last year it has improved greatly. They even tell me not to worry they will get this and that from the lender or directly from the client.

Mar 09, 2016 11:41 AM
Melissa Stutes
Kama'aina Mortgage Group Inc. - NMLS# 1276471 - Honolulu, HI
Mortgage Loan Partner - NMLS# 948108

Unfortunately, poor communication is the most likely explanation.  

Many ideas come to mind, but if it wasn't something that was the correct information or exact piece of information requested the 1st time or an updated piece of information, it's most likely human error.  Everyone gets busy and things can slip through the cracks...but hopefully that experience will not become the norm in your transaction.  

Best of luck!!

Mar 09, 2016 11:08 AM
Richie Alan Naggar
people first...then business Ran Right Realty - Riverside, CA
agent & author

It can only be becasue they want to check & balance constantly. I shuuder to think if it is for other reasons (crazy-making)?  LOL

Mar 09, 2016 09:26 AM
Will Hamm
Hamm Homes - Aurora, CO
"Where There's a Will, There's a Way!"

It is the underwriters that want more and repeat items.

Mar 09, 2016 07:48 AM
Richard Weeks
Dallas, TX
REALTOR®, Broker

Because they can.

Mar 09, 2016 05:58 AM
Michael Setunsky
Woodbridge, VA
Your Commercial Real Estate Link to Northern VA

Chrissi Chapman Topoleski To keep some information current. We blame the lender for delays when asking for more information, but it is often the buyer who in fact causes the delay by not returning the information in a timely manner. It works both ways.

Mar 09, 2016 05:39 AM
Ron and Alexandra Seigel
Napa Consultants - Carpinteria, CA
Luxury Real Estate Branding, Marketing & Strategy


Because they can...LOL.  I could not resist!  A

Mar 09, 2016 05:37 AM
Liz Wallace
Century 21 Sherlock Homes - Rockville Centre, NY
Broker C21 Sherlock Homes, Rockville Centre, LI, N

I think the banks have made the lending process painfully difficult.  I don't think the loan officers like it any more than we do.

Mar 09, 2016 03:32 AM
Jill Murty, Realtor - Orange County, CA
Movoto - Laguna Niguel, CA

Is it a lack of organization or simply that they hate us?

I just had one where the lender said they had to re-verify past employment. Um, what??'  The previous employment is historical data that will not change. 

Mar 09, 2016 03:26 AM
Gabe Sanders
Real Estate of Florida specializing in Martin County Residential Homes, Condos and Land Sales - Stuart, FL
Stuart Florida Real Estate

To justify their jobs!  

Mar 09, 2016 03:24 AM