It Shouldn't Hurt This Much to Get a Mortgage

Mortgage-lending standards, after being too lax in the 2000s, have swung to the opposite extreme. Neither is justifiable or helpful. 
Where the ordeal begins.

Under normal circumstances, approving my mortgage application should be a no-brainer: High income, no debt, good credit score. The missus also makes a good income, has an almost-perfect credit score and has been working for the same business for 28 years.

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