09/04/2026
Things I wholeheartedly believe in while pre-approving my clients
Throughout my mortgage career, I’ve helped many clients go from low credit scores, scores that didn’t meet program requirements, or even having no credit score at all to being ready and confident to move forward with the Pre-Approval process.
For some clients, the path may take as little as 2 weeks.
For others, it may take 3–6 months, depending on their individual credit profile.
But here’s the important part:
A low credit score today does NOT mean the door to homeownership is closed.
I’ve worked with clients who were previously told their loan couldn’t be done, or that they would need as much as 40–50% down.
But after reviewing the entire financial picture, sometimes the issue isn’t that the client “can’t qualify.”
Sometimes, they simply haven’t been given the right credit strategy or matched with the right loan program.
With an improved credit profile and the right strategy, borrowers may have access to more options , from traditional income-documentation programs to alternative documentation and Non-QM programs, depending on their qualifications.
That’s how I approach my clients:
I don’t just ask, “Can we get this loan approved today?”
I ask:
“If we can’t do it today, what can we do NOW so you may be ready in a few weeks or a few months?”
There are plenty of Loan Officers to choose from in this market, and I feel incredibly fortunate that so much of my business comes from referrals.
My clients trust me enough to recommend me to their friends and families — basically doing my advertising for free. ❤️ And I’m incredibly grateful for that trust.
So here’s my message today:
👉 If you want to buy a home but your credit isn’t where you want it to be — don’t automatically assume you can’t buy.
👉 If you’ve been turned down before — it may be worth getting a second opinion.
👉 If you’re not ready today — let’s build a plan so you can work toward becoming ready.
Because not every homebuying journey needs to start with a Pre-Approval.
Sometimes, it starts with a PLAN.
If you, your friends, or your family are thinking about buying a home — or simply want to know “What do I need to work on now so I can buy later?” — send me a message.
Let’s build the strategy first, then work toward the keys. 🏡🔑
If you want someone who treats you like a friend, not just a file ☺️ I’m your loan officer. 🫶
———
Mai Hoang
Loan Originator, NMLS #2180679
📲Call/Text: (814)-386-7005
📧Email:[email protected]
[email protected]
