Raise the Dead Ted -

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United States
Carlsbad, CA
Raise the Dead Ted -

I am a mortgage originator working for Barrett Financial Group which is licensed in 48 states.

I specialize in lender mortgage turndowns or difficult to close home loans. I am able to access over 100+ investors to find the best product for your profile.

04/04/2026

I love DSCR and DSCR LOVES ME! Call me with your scenarios!

03/12/2026

Buyer purchasing a studio under 500 sq ft in a downtown building.Bank Denial Reason:
Too small. Non-warrantable condo. Automatic denial.Raise The Dead Ted Solution:
Placed with lender financing:
✔ Non-warrantable condos
✔ Condotels
✔ Co-ops
✔ Studios / efficiencies / loftsClosed without project approval drama.👉 If the condo doesn’t fit the box… I change the box.
Buyer purchasing a studio under 500 sq ft in a downtown building.Bank Denial Reason:
Too small. Non-warrantable condo. Automatic denial.Raise The Dead Ted Solution:
Placed with lender financing:
✔ Non-warrantable condos
✔ Condotels
✔ Co-ops
✔ Studios / efficiencies / lofts Closed without project approval drama.👉 If the condo doesn’t fit the box… I change the box.

03/09/2026

Borrower buying a new primary residence but still owns current home.
DTI too high because of departing residence PITI.Bank Denial Reason:
Underwriter counted full mortgage payment against DTI.Raise The Dead Ted Solution:
Placed with program that removes departing residence PITI from DTIAllowed cash-out up to 70% LTV on the departing property.Result:
✅ Qualified for new home
✅ Pulled equity
✅ No waiting for sale👉 You don’t have to sell first to move up.
Borrower buying a new primary residence but still owns current home.
DTI too high because of departing residence PITI.Bank Denial Reason:
Underwriter counted full mortgage payment against DTI.Raise The Dead Ted Solution:
Placed with program that removes departing residence PITI from DTIAllowed cash-out up to 70% LTV on the departing property.Result:
✅ Qualified for new home
✅ Pulled equity
✅ No waiting for sale👉 You don’t have to sell first to move up.

03/04/2026

💀 Scenario : Property Has Unpermitted ADU Scenario:

Home had an ADU built years ago without permits. Bank Denial Reason:
Unpermitted structure = unacceptable collateral risk. Raise The Dead Ted Solution:
Used lender allowing:
✔ Unpermitted ADUs
✔ Multiple ADUs
✔ Manufactured outbuildings
✔ Mixed-use priced as residential Deal saved.👉 Unique property? Perfect.

03/01/2026

Borrower has no traditional credit score.

Denial Reason:
No score = no loan. Raise The Dead Ted Solution:
Placed with No Credit Score Program.
Manual evaluation + asset strength. Yes , you can buy a home without a FICO.

02/27/2026

Property had AG exemption and extra acreage.Bank Denial Reason:
Too rural. Excess acreage issue. Raise The Dead Ted Solution:
✔ Excess Acreage Allowed
✔ AG exemptions OK
✔ Hobby farms accepted Yes, you can finance land with your house.

12/30/2025

🛠️THE CONSTRUCTION LOAN CO**SE 🪦

Problem:
Borrower was halfway through a renovation when their bank pulled the plug.
Project stalled. Funds gone. Appraisal uncertainty.
Other lenders said: “Too risky. Come back when it's finished.”⚡

Ted’s Resurrection Move:
Structured a fix‑and‑finish refinance based on completed value — not the current mess.
Used future ARV + contractor bids to rebuild the file.🏁

Result:
🔨 Project completed
💸 Equity unlocked
📈 Increase in property value
💀 Another dead deal resurrected.

12/26/2025

Borrower Profile:
* FHA borrower
* Limited savings
* Solid job but only $2,000 in the bank
* Wanted to buy a $500,000 home

Bank’s Verdict:
❌ “Loan denied — borrower short funds to close.”
They buried the file before it even had a chance.

⚡ TED’S RESURRECTION MOVE
Ted didn’t see a dead deal — he saw an opportunity:
🧟♂️ The Strategy
✔ Down Payment Assistance program covers part of the 3.5% down
✔ Seller credit negotiated to pay closing costs
✔ Lender credit structured into the rate
✔ Borrower’s $2,000 used only for appraisal + earnest money

TOTAL CASH TO CLOSE
$2,000 — not $17,500+ like the bank assumed

🏁 THE RESULT
🏠 $500,000 FHA purchase
💰 Borrower only brought $2,000 of their own money
📈 Loan approved
🚀 Homeowner status achieved
💀 Ted resurrected a deal another lender buried alive

12/21/2025

Problem: Appraisal came in $87,000 low — deal dead on arrival.
Ted’s Resurrection:
Ordered a rebuttal + second appraisal using comps the first lender ignored.
Result:
🏠 Value came back correct
📈 Borrower kept rate and terms
💀 Ted doesn’t fear ghosts — or appraisers.

12/17/2025

I realized it’s been a while since I properly introduced myself, so here goes:

I’m Ted Erickson, I create content about unique mortgage loans solutions, and I do it for consumers looking to obtain a loan to refinance their current loan or purchase a home. I have been working in the mortgage industry for over 20 years and I have developed a reputation for closing many loans that other lenders could not. One day a client said she was left for dead by another loan officer and I had pulled her loan out of the grave. That's how I got my name 'Raise The Dead Ted'.

Look around at my testimonials and solutions and reach out if you need my assistance. Oh....I do the easy one also!

12/15/2025

💀 Raise The Dead Ted Saves Another Deal! 🏡

Scenario:
Borrower was denied by the bank because their HOA’s insurance policy didn’t meet Fannie Mae or Non-QM requirements.

Denial Reason:
The HOA’s master insurance policy only covered the roof for ACV (Actual Cash Value) instead of FRV (Full Replacement Value) — and the lender required FRV coverage.

Raise The Dead Ted Solution:
I secured a first-position Home Equity Line of Credit that doesn’t follow Fannie Mae guidelines, gave the buyer an interest-only payment with no prepayment penalty, and waited for the HOA to upgrade its insurance.

Meanwhile, the buyer negotiated a lower purchase price to offset the lending restrictions and less favorable terms — and still closed the deal.

👉 Problem solved. Deal revived. That’s how you Raise The Dead!

Address

3207 Grey Hawk Court Suite 100
Carlsbad, CA
92010

Telephone

+14157170477

Website

http://tederickson.com/

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