The banks and lenders love the couples retreat vibe. It helps manage their risk. They also lend you a lot more than you probably need. It’s a systematic process, not requiring someone to overthink it. A model that was created in the dark ages.
Don’t let anyone make the decision for you as to what loan you want to go with. Equip yourself with the knowledge of more than one person. Ask all the stupid questions you can and find a strategy that resonates with you.