Gudelines continue to change so quickly that it is hard to keep up. I work hard to stay on top of guidelines but in this market environment that just simply is not enough.

I see cookie cutter loan scenarios all the time that a while back I would not have given a second thought to issue a pre-approval letter on.

That is no longer the case; I call my underwriters, AE's, and Product specialists on every single deal. It does not matter any more what the guidelines say... The guidelines may say that you are perfectly qualified but they may not be reflecting a change that may have taken place yesterday for example.

So, instead of playing a guessing game with my clients futures I am making absolutely certain that A transaction can be done before moving forward on it. 

As a mortgage professional I recomend to all of you that you make sure that you are dealing with someone who will make sure that they can do the transaction before commencing. 


Happy Home Hunting and Best Wishes!