INSIDER SECRETS

Most people don’t lose out on a home loan because they can’t afford it.
They lose out because they don’t know how lending really works.

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Mortgage lending is governed by detailed guidelines that most consumers never see—and rarely understand until it’s too late. Small misunderstandings about income, fees, APR, points, or documentation can quietly derail an otherwise solid loan application.

 

This page exists to change that.

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The Insider Secrets articles are designed to pull back the curtain on the mortgage process and give you practical, plain-English insights that lenders don’t always explain upfront. You’ll learn how to recognize common pitfalls, avoid costly mistakes, and make informed decisions that protect both your approval and your long-term financial comfort.

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Some articles are written specifically for borrowers who face added complexity—such as self-employed individuals, or people who are divorcing or planning one—so you can understand the guidelines that may affect you before they become obstacles.

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Other articles apply to everyone, regardless of employment or marital status, covering topics like APR, points, low down payment options, avoiding bait-and-switch tactics, and how to spot unnecessary or inflated fees.

My goal is simple: to help you go into the loan process informed, prepared, and confident—so you’re never surprised, pressured, or declined for reasons that could have been avoided.