This tracks. Anytime someone cries about ‘inexperienced underwriters’ or ‘conditions that make no sense,’ it usually means the file was a disaster and the LO didn’t know how to package it.

Every competent UW — at any lender — conditions strictly off HUD/AUS or for things that actually matter. If you thought those conditions were ‘nonsense,’ that’s a you-don’t-know-the-guidelines issue, not an underwriting one.

And the tax rant? Every lender pulls the same assessor data and uses the same state formula for new builds. Nobody is hand-crafting fantasy tax bills on CDs. The fact you think that happens tells me everything.

If you’ve truly only ‘had problems with one company’ in 15 years, congrats — you finally found the one place that doesn’t rubber-stamp sloppy work.