I spoke with a real person on the phone when I misunderstood how to use the credit.

Luckily we worked this out before hand and someone was at the bank in the early hours with me on the phone.

Maybe I’m just missing it on the tiny screen I call my phone.  

@Josh Reed Sorry about the typos in my original message, I was typing it on my phone.

Have them furnish paystubs, but then Google the company name and call the listed phone number to verify what is on the paystubs.

A couple of phone calls works too.

I know I can do a lot of this on my phone, but an iPad, even the iPad mini, would be easier to view things, and to sketch ideas, etc)- iCloud storage?

Nowadays it's easier than ever to create your own content online, with plenty of phone apps to help you distribute that content.

I had a quick call with a mortgage broker and they said over the phone a 1M purchase price, 20% should down be OK at a mid-high 6.XX% rate 30 year given my current income and credit (780820).

W2 jobs offer 401K and employer's match, HSA, paid vacation, paid sick hours, low cost health insurance, cellphone bills, dry clean, employee meal, discount on things and much more.