Why does my lender need so many documents?
Because they're verifying that you can comfortably repay the loan. Income, savings, and credit all have to be documented for the loan to be approved and to protect you from buying more than you can handle. Staying organized speeds it up.
It can feel like a lot, I know. But a mortgage is a large, long commitment, and the lender has to verify — not just take your word for — your income, savings, and credit. That documentation protects them and protects you from taking on more than you can comfortably handle.
You'll move faster if you keep everything in one folder, avoid big unexplained deposits, and respond quickly to requests. If they ask for a 'letter of explanation' about something, that's routine. Pick a responsive lender and the paperwork becomes painless — I can recommend a few.
This answer is general education, not legal, tax, or financial advice. Your situation is unique — let's talk through the specifics together.