Parece que o processo de conseguir um financiamento nos Estados Unidos é tão idiota como no Brasil. Neste trecho citam um dos grandes problemas do nosso processo: quando você obtém o "último" documento, o primeiro já perdeu a validade.
There are more than a dozen documents you need to submit when applying for a mortgage. You’ll need to submit bank statements from the last two months, your tax returns for the last two years, pay stubs, and a W-2 to verify your income. Borrowers will gather all this information and email it to their loan officer. What makes this process tedious is that it takes an average of 51 days to close the loan. By the time you’re ready to close the loan, the documents you submitted earlier are no longer up-to-date, which means you have to resubmit everything. And this is if you only get a quote from one bank. If you wanted to compare loans you’d have to repeat the entire process. Lendsnap Lets You Apply for a Mortgage in Under 30 Minutes