Trust me.

I am currently going through underwriting with my lender. This is a 5% down conventional loan on a $415,000 house.

Oh yes they call your boss. (or your HR)
Oh yes they ask for your employment verification form.
Did your parents help with the downpayment? Oh yes they want to know how did they make that money and they want to see their bank statements too.
Are you self-employed? Oh yes, they need twice as much documents as that a regular employee.
Did you use inspection report to bargain with the seller? Oh yes they want a contractor to sign a letter saying everything is okay, and they will fix that this week.
Conditional approval? Congrads, they are going to come back for more.

Have you borrowing!

(I am so doing seller financing from now on.)