04/17/2026
Not all loan approvals, or denials, are created equal.
We just closed on a VA loan for a first-time homebuyer that was declined just days before their scheduled closing. The borrower was working with another lender when an income issue came up late in the process, putting the entire transaction at risk.
After connecting with the agent, I took a full application that same evening and spent the weekend working closely with the borrower to understand and properly document their income. While the file was complex due to the nature of their employment, it was also consistent with their industry and supported by a strong history.
With a complete and well-structured file, we were able to move quickly:
• Submitted to underwriting within days
• Cleared and delivered docs to title shortly after
• Successfully closed the transaction
This is what makes not only me effective as a loan officer, but what truly sets Guild apart.
It’s the combination of experience, problem-solving, and a team that knows how to navigate complex files. From processing to underwriting to funding, everyone plays a role in getting our clients to the closing table.
Not all lenders approach loans the same way. Guidelines, experience, and risk tolerance can vary, and that can make all the difference.
If you run into challenges during a transaction, or even receive a denial, it’s worth getting a second opinion.
Better yet, start with a trusted local lender who has a track record of getting deals closed.
