09/26/2026
🇺🇸 This is why WHO you work with matters.
A veteran called me a few weeks ago after spending months trying to buy a home with another lender.
They were originally supposed to close July 15th.
Delay after delay after delay.
Eventually, their closing was pushed all the way to September 2nd.
Then, ONE DAY before closing, they got the call nobody wants to get:
“Sorry, but to make this loan work, you’re going to need to bring $80,000 down.”
😳 $80,000.
On a VA loan where they had been expecting to bring essentially no money to closing.
They didn't have $80,000.
To make matters worse, this was a For Sale By Owner transaction. The family had already moved into the house and was renting it while waiting for the loan to close. The seller was counting on the proceeds for other business ventures.
Everybody was stuck.
That’s when they called me.
I told them, “Let me take a look at everything and see what I can do.”
We started the new loan on September 9th.
✅ 12 days later: CLEAR TO CLOSE.
🏡 Yesterday: CLOSED.
16 DAYS FROM START TO FINISH.
And here's another part of the story that blew my mind…
The previous lender had been working on this loan since JULY, when interest rates were considerably better. The buyer was afraid to switch lenders because rates had gone up. I asked the borrower what rate they had been offered.
Even starting over in September, I was able to offer them a rate 3/8% LOWER than what they had been offered on the loan they started back in July.
A VA loan went from needing an unexpected $80,000 down at the last minute…
➡️ to CLEAR TO CLOSE in 12 days
➡️ CLOSED in 16 days
➡️ LOWER RATE
➡️ Money Back at Closing
🇺🇸 And most importantly, a veteran and their family got to stay in the home they had already moved into.
I don't share this story to bash another lender. I share it because who you work with matters.
Sometimes a loan really can't be done.
But sometimes it just needs another set of eyes, a different approach, and someone willing to put in the work to find a solution.
At the end of the day, that's what I care about — putting people in homes and making sure they're getting the best deal I can give them.
If you've been told NO, if your closing keeps getting delayed, or if something suddenly changes at the last minute, give me a call before you give up.
There may be another way. 🏡🇺🇸
