Happy to help. My CU has an obscenely narrow charter so anytime I can offer some assistance that's not eligibility-limited, I'll jump at it. Not to mention it's Black Friday and I think I've had 3 members come in to the office all day.
Since we're talking about getting the mortgage process started (as you mentioned with the soft pull before closing), I'd also advise Qwark that you start getting your paperwork in order. Not necessarily printing out your bank statements yet, but if you're not typically on your online banking frequently, now would be the time to make sure you have all that ironed out. That said of course, it's a sound practice to begin with. Also, it's the holiday season-- if you have any transactions that are out of the ordinary, make sure you have receipts/explanations/etc. I can tell you from both sides of the desk that having documentation to back up your activity makes the whole process go much more smoothly.
For instance, when I bought my current house, I had sold my townhouse prior. The proceeds from that sale became my down payment for this one. Still, that check represented a significant change in my account activity. While it should go without saying that the logic checked out, I still had my documentation at the ready to send to the underwriter. If you're asking yourself if the supporting documentation is overkill, you're on the right track as I'd much rather have too much than not enough.
Only other thing I'd add is minor but just in case-- while a lender will use your credit pull for 120 days in the case of a mortgage, you'll typically find 60 days is the window for most other loan types. As such, I keep a mental clock at around 45 days for everything just to allow plenty of time for any wrinkles along the way. Again though, I consider myself fairly risk averse when it comes to all things lending side so YMMV.
