09/10/2026
🏡 Sometimes “No” just means you need the right lender to take another look.
A mother and her adult daughter came to me after another lender had declined the daughter’s loan for her first home—a condo.
The problem wasn’t necessarily the buyer. It was the condo community. The condo wasn’t approved, and we discovered that lenders hadn’t been able to finance units in this community for quite some time.
I told them, “Let me take a look and see if there’s a way to make it work.”
And we went to work.
We identified some issues with the condo association’s insurance coverage and worked with the appropriate parties to make the necessary adjustments. From there, we were able to get a special approval on the condo community that allowed us to move forward.
There were a few other challenges with the loan that we had to work through along the way too. 😅 But instead of giving up, we kept looking for solutions.
And… WE GOT IT CLOSED! 🎉🔑🏠
Here are two of my favorite new homeowners, and I couldn’t be happier for them! Mom helped her daughter navigate the process, and now her daughter gets to enjoy something pretty special:
Her very first home. ❤️
David Long was a super-star as their Real Estate Agent and helped them through several of the hurdles to make it happen. I always love working with David.
This is one of my favorite parts of what I do. Sometimes a loan doesn’t need someone to simply run it through the system—it needs someone willing to dig in, problem-solve, and find a way to get to YES.
So, if you’ve been told “no,” have a complicated situation, or know someone who needs a little mortgage magic 🪄 to get a loan across the finish line, send them my way.
I’d love the opportunity to take a look.
Jay Collins | Homeowners Financial Group
🏡 Helping turn mortgage problems into homeownership solutions.
