Wow...what a looong, tedious process. I recently purchased my first home. Luckily I had a fax machine and internet access at work. I can't blame the mortgage company for all of the documents and faxes I had to send, but it was still a pain! Everything seemed to move smoothly (like clock-work) and they were able to close on-time! (it took about 30 days). There weren't any hiccups along the way, so I was happy.