11/02/2026
“We’re waiting” is the most frustrating update in the mortgage process, mostly because it does not tell you what you are waiting on.
Most of the time nothing is wrong. Your file is just in a stage where someone else is doing their part: an appraiser, an insurance agent, an underwriter.
The stages that slow down are almost always the ones where a document is missing or something changed. That is why the “you can” line on every slide matters more than the stage name.
Comment TRACKER and I will send you the printable version of this checklist.
— Michael DeSantis, proudly serving Boston / Waltham / Cambridge as your friendly, local mortgage pro —
Helping clients navigate the mortgage process with clarity, confidence, and strategy.
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