What NOT to tell your LENDER when applying for a MORTGAGE LOAN

Have you ever had the terrible experience of having your Home Loan denied? There are many factors involved in getting approved for your loan.

One important facet is knowing what you SHOULD and SHOULD NOT tell your Mortgage Lender. This can MAKE or BREAK your deal!!

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*Loan Programs are subject to change based on lender guidelines, economy and market conditions.

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“CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”

#angelochristian, #mortgagelender, #homebuyer

[jodyspan]

I'm a former realtor in PA and you have to learn to have a sense of humor. You're working with many personalities and I've have had many clients communicate in different ways. There's nothing wrong with that. A loan officer does not determine a loan approval based on personality, they run credit, require income veriffication, down payment verification with bank records showing where the money is coming from whether it's a gift, the sale of a home or your bank account. Documentation is a must. First time home buyers are nervous and may say things that they shouldn't say but has nothing to do whether a lender will approve or not. Nothing wrong with telling the lender you are shopping. It's up to the lender to build a trusting relationship with their client, educate the buyer of the downfall of multiple credit reports being pulled that may effect their credit score should the buyer decide to shop. If they like you, they'll use you, as long as your trustworthy.

[vernkay.]

This advice is better than the last video I watched about dealing with lenders, you nailed it.

[candelariaw]

I had the best lender ever!!!! She let me know every step of the loan process!!! Closed a week ago!!!

[chelsbolin]

And they can see your credit report…it will show that you are shopping for rates. No need to bring it up.

[irobunigiebor]

Hey
That's really good information. I think I made the mistake on line one.
Now i know.
Thanks

[williamsmith]

Every lender knows your gonna shop their rates.Every lender knows your gonna compare fees with other lenders Everyone knows there are other lenders out there. Some lenders don't want to talk about fees and rates because they don't want you to shop the rates.

[prom]

😂😂😂 don’t tell my wife what’s on my credit report.

[thequeenb]

Great information Mr. Christian. I am so excited to be working with you.

[draconian]

Thank you for the advice. I'm currently looking to buy a home soon.

[glenjenkins]

what abt rules/regulations on leasing an office space, that i mortgage, to a cannabis retailer? like can you lease out an office/retail space that is part of a building that is currently under mortgage?

[AngeloChristianMortgage]

Are some things better off not said when getting a #mortgage? Stay tuned for more

[duglasjohel]

👏 👏 I’m about to get my house I’m just waiting for last step they already appraised the house my loan is approved I’m ready kerubin I’m glad I saw your video right now, nice day

[rorexc]

Always ask those section A fees easier than saying your shopping around.

[e.s.l.]

You are so enjoyable.
I read all the comments (and i have a huge grin on my face).
Thank you for sharing your expertise.

[hollyfernandez]

thank you for the advice! currently trying to buy my current home im living in!

[jamesr.riverasr.]

I shared everything to your loan officer and I wanted a land and construction loan but she didn’t work with me. I’m a veteran and I don’t think I will ever be able to use my benefits.

[stephanymaynard]

dont know him watched his show for years hes the best there is man and hasnt aged one bit good dude

[roshdon]

Hey man great video, I had one question about the loan process do I have to disclose debt that’s under my LLC to the lender? I’ve seen conflicting things in my research.

[Googlename]

Thank you for the video,
Just i have a question?
Should I tell mortgage lender my SSN to get the approval letter? :/

[steveludwig]

I didn't realize BILL MURRAY was in the Mortgage business...LOL