It's the golden rule. The lender has the gold, the lender makes the rules. You want the gold, you follow the lender's rules. That's how it works. I've dealt with many mortgage companies in my life and they all have their nonsense that you have to go along with if you want their money.
And it doesn't stop with just getting the money. Read the loan contract very, very carefully and you'll see crap in there that'll make you miserable for the life of the loan.

