Too much paper. I submitted several documents more than once because I didn't have a clear understanding of what was needed. I thought they asked for things that shouldn't have been necessary (ie Aqua fax needing information on the condo I own with my siblings, having to redo a gift letter because it had another bank's name on it, requiring statements from all my bank accounts,). I also received a disclosure with him correct figures which was upsetting because the amount was significantly higher. The final was what I had expected
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