I got the Commitment Letter from the bank, but it came with enough conditions and clauses that I might as well start from scratch. Turns out I don’t have enough open credit lines, which means the bank doesn’t know whether I will be repaying them on time. So, instead of a nice credit card report, they are asking me to provide a ton of documentation from other places where I have to pay regularly.

I suppose if I weren’t working full time, that wouldn’t bother me too much. As it stands, going through a ton of hoops and last minute additional requirements is becoming a full time occupation that I really could do without. I am really at the point where I want a broker to be involved.