It's annoying. However some lenders offers are "soft" and some quotes you know you can take to the bank when they come in. I prefer personally to work with people that do most of their due diligence up front. I totally get why some do the opposite, or at least understand the logic, but there is nothing worse than having contracts signed, stips in, and having the deal unfold at the witching hour for some reason that was fully disclosed in the sub package. Embarrassing