Why we ask for so much info...

🚨 PSA from Your Favorite Mortgage Nerd (That’s Me):

Hey hey! Just a quick note as we cruise into the second half of 2025 (yes, somehow it’s already here and no, I don’t know how either). Let’s talk mortgages—because although rates change, guidelines shift, and TikTok tells you that “you can buy a house with a bag of vibes and a dream”… there are still a few things you should know when borrowing hundreds of thousands of dollars:

1️⃣ Yes, we ask for a ridiculous amount of stuff. Paystubs, bank statements, a blood sample (just kidding...sort of). Think of it like financial TSA—you’ve gotta get cleared before takeoff. 🛫

2️⃣ Why all the nosy questions? Because we need to verify:

• You are who you say you are

• You work where you say you work

• You have what you say you have

• And your financial past isn’t secretly a dumpster fire 🔥

3️⃣ Why don’t we just trust you? Well, we used to... and then 2008 happened. Google “mortgage crisis” and you’ll understand why we now verify everything except your star sign. (Although if you’re a Virgo, I already know you submitted your docs early. 😆)

4️⃣ Yes, we do this to everyone. You are special. Truly. But in the eyes of underwriting, you’re just one of the 28 people who submitted their tax returns upside down last week. 💅

5️⃣ Why are we like this? Because we’re lending you money—with commas. Like, real money. Not Monopoly money. So yeah, we ask a lot… but it’s because we’re about to wire over the kind of cash that could buy you a house, a car, and a year’s supply of oat milk.

🔁 TL;DR: We ask a lot. We verify a lot. But we also lend A LOT. We’re the mortgage sherpas on your journey up Homeownership Mountain 🏔️—carrying your paperwork, dodging last-minute avalanches, and getting you to the summit on time.

One last question for you:If you were loaning hundreds of thousands of dollars to a total stranger... wouldn’t you want to double-check they’re good for it? Yeah. Exactly.

So remember: you’re the real MVP, and I’m just here running the plays, blocking the blitz, and getting you into that house with no surprises.

Have a fantastic Friday—and seriously, text or email me if you need anything. I’m here for it. 🏡✨