10/26/2026
A haunted house, but it’s full of people giving mortgage advice who have never done a mortgage.
Honestly, I’d rather take my chances with the ghost.
You’ve got the “you need 20% down” crowd, the “VA loans are a nightmare” crowd, and an online calculator that apparently thinks you don’t buy groceries.
And if you gave a random lender your phone number? Forget Bloody Mary. Say “preapproval” three times and your phone starts ringing.
Swipe through a few things that scare buyers right out of exploring their options.
Different loans have different requirements. Your credit doesn’t have to be flawless, and a past “no” deserves a closer look before you decide it means “never.”
Bring me your questions. Even the ones you think are dumb. We’re asking questions, not summoning demons.
Beatriz Villalobos, Loan Officer
Mortgage Myth Buster & Part-Time Ghostbuster
CrossCountry Mortgage
NMLS 2175864