You've filled out an enormous mortgage application, you've sent in your tax returns, pay stubs, bank statements, and you've answered all of the lender's questions in detail. A week or so later you get the phone call you've been waiting for. You're approved!
There are still plenty of things that can turn that approval into a declined loan quickly. We've seen the exact same mistakes made time and again, so we're sharing the top 7 ways that we see home buyers put their mortgage approval in jeopardy to help you avoid some of those potential pitfalls.
With a combined 20+ years in the mortgage industry before our careers in real estate, we know what to look for in a lender and what to watch out for. If you've got questions, we're here with answers. If you're looking for a good lender, we definitely recommend reaching out to Barry Botwin and his team at Waterstone Mortgage.
Barry Botwin
Office: 407-645-6315
https://winterpark-fl.waterstonemortgage.com/BarryBotwin.html
2699 Lee Road #600
Winter Park, FL 32789
ABSOLUTELY THE BEST! Brian helped us buy our new home and sell our previous one. He was equally fantastic at both. On the buying end, Brian was able to negotiate a great deal and made sure it... Read full review
A big thank you to Jennifer and the Gangawer real estate team. I had my condo listed with two other realtor's and had no results . Jennifer and her team aggressively went on a marketing campaign to sell my... Read full review
My family just completed our 3rd real estate transaction with Brian and we couldn't be happier. This time, we moved out a state, and we knew we needed someone we could trust to handle the sale of our home from a... Read full review
Ok, where will one begin! First allow me to share a lasting, professional, prompt, knowledgeable, team, along with my personal experience that I have had with Jennifer Gangawer. I may have wanted to throw in... Read full review
Brian was amazing. He told us he could sell our house in under 10 days (and his listing of our home was 30k higher than the other agent we met with)... he did it in 6 days!!!! Amazingly smooth closing and he... Read full review
Jennifer has been of service to our family for the 3rd time. She was our son's realtor twice and ours for our first home in FL. Jen provided constant MLS updates to us via email of townhomes from Sanford to... Read full review
We were moving from NJ to FL. Prior to flying to FLs, Brian spent time on the phone understanding the home and neighborhood features that were most important to us. He spent a long 3 day weekend patiently... Read full review
Originally we intended on listing the house in 1-3 years after we made a few more improvements, but when we saw the house in Sanford, it spoke to us and we felt an urgency to make an offer. We didn’t look at any... Read full review
Brian delivered on all of my expectations. He always had a quick response to my questions, and most importantly he sold our condo promptly, for more money than we anticipated. I am very pleased with... Read full review
Jennifer helped me sell a home in 2017. A year later I called on her again to help me buy a new home. I was unsure of what I wanted and exactly where I wished to relocate. Jennifer patiently sent daily listings... Read full review
We had the privilege of having Ahyan Tyler as our realtor. She always responded quickly and answered all our questions and concerns. She made the home buying process go very smoothly. She provided excellent... Read full review
Always available, very knowledgeable about both sides of the process. great personality and worked hard for us to get what we wanted. she walked us through each process and pushed hard back on the... Read full review
ABSOLUTELY THE BEST! Brian helped us buy our new home and sell our previous one. He was equally fantastic at both. On the buying end, Brian was able to negotiate a great deal and made sure it went smoothly. On the selling end, Brian's skills surpass other realtors. He was able to get way more showings through his understanding of current social media and technology. We had multiple offers and got $25k more than any other realtor even thought possible. Brian had our backs the whole time and is there when you need him. He worked hard to get us the best price! I highly recommend Gangawer Group!
A big thank you to Jennifer and the Gangawer real estate team. I had my condo listed with two other realtor's and had no results . Jennifer and her team aggressively went on a marketing campaign to sell my condo and in less than 30 days we had an offer and closed almost immediately .... Jennifer also has aggressive lenders who can handle difficult financing situation's . I give a 110 percent credit to Jennifer and her team for selling my condo and without a doubt she will be my only realtor from now on .
My family just completed our 3rd real estate transaction with Brian and we couldn't be happier. This time, we moved out a state, and we knew we needed someone we could trust to handle the sale of our home from a distance. From the first meeting, Brian and Jen's knowledge of the real estate market was obvious. Their pricing suggestions and marketing strategy really paid off and we were under contract quickly. Brian gave us sound advice for what items around our home we could update to give us the best chance at a full price offer. He responded quickly to all of our questions; I never had to wonder when or if I'd hear back. I would highly recommend him to anyone looking to sell in Seminole County. As a side note, if you are considering using one of the "quick sale" services that advertise that they will buy your home quickly with no showings, talk to Brian first. With Brian as our realtor, our sales price was considerably more than the "instant offers" we received.
Ok, where will one begin!
First allow me to share a lasting, professional, prompt, knowledgeable, team, along with my personal experience that I have had with Jennifer Gangawer. I may have wanted to throw in the towel and seek homeownership at a later time in my life, although Jennifer never gave up. She continued to push me in the right direction, but in a courteous manner-never feeling over whelmed by her diligence; she even delt with my BUSY 6 year old son:)
Jennifer has what it takes, and what you will need to successfully close/ win!
Jennifer works SUPER FAST! If you want that desired home, well contact Jennifer. She even responds on weekends, late nights and ALWAYS responds via text, email or calls....ALWAYS!
I feel that I have gained a wealth of knowledge, just by Jennifer explaining the ongoing home buying process in detail.
Jenn when am ready to sell, and purchase a larger home, I will be looking for you.
Thank you sooo much!
Brian was amazing. He told us he could sell our house in under 10 days (and his listing of our home was 30k higher than the other agent we met with)... he did it in 6 days!!!! Amazingly smooth closing and he went above and beyond to make sure there were no issues because of hurricane Irma. Anyone would be lucky to work with him.
Jennifer has been of service to our family for the 3rd time. She was our son's realtor twice and ours for our first home in FL. Jen provided constant MLS updates to us via email of townhomes from Sanford to Apopka using the search parameters we provided her. On our visits to the Orlando area visiting family, she showed us some of those homes on each visit. Jen was/is always ready to provide any information or feedback we requested of her and she did so in a timely manner. Thank you Jen for a most wonderful home buying experience.
We were moving from NJ to FL. Prior to flying to FLs, Brian spent time on the phone understanding the home and neighborhood features that were most important to us. He spent a long 3 day weekend patiently showing us homes in several towns and communities. Each time, he made sure that we also got to see the downtown areas and shopping centers. He responded to last minute showing changes and requests. Once we found the home we liked, he negotiated on our behalf and advised us of our options for making an offer. Since we couldn't personally attend the multitude of inspections, Brian was there for all of them and communicated with us via Facetime. He made our out-of-state home shopping experience pleasant and easy. His personal knowledge of the area helped us find the right home quickly. On top of that, he always responded to my texts, call and emails quickly and professionally. I would not hesitate to recommend Brian to others. If we move, he will be the one selling my home. On top of that, I feel like we already have a friend in FL.
Originally we intended on listing the house in 1-3 years after we made a few more improvements, but when we saw the house in Sanford, it spoke to us and we felt an urgency to make an offer. We didn’t look at any other homes because the one we purchased just felt like “home”. We’ve been in it less than a week, are still unpacking boxes and setting up, but already love it and feel like we made the right choice. The neighbors are great and everyone loves the beautiful lake view. Our realtors Brian and Ahyan were very reassuring and professional throughout the entire process, even when we were “freaking out” that our old home wasn’t selling immediately and had concerns that the sellers would choose to go with another buyer. They were always available to answer our calls, email and questions.
Brian delivered on all of my expectations. He always had a quick response to my questions, and most importantly he sold our condo promptly, for more money than we anticipated. I am very pleased with how smoothly the transaction went, and am happy that I was referred to The Gangawer Real Estate Team. He is a true professional.
Jennifer helped me sell a home in 2017. A year later I called on her again to help me buy a new home. I was unsure of what I wanted and exactly where I wished to relocate. Jennifer patiently sent daily listings of homes for sale. Since I was living out of town, Jennifer showed my daughter various properties and we FaceTimed so I could see the home as well. When I finally found the townhome I wanted, Jennifer referred me to a wonderful mortgage lender and title company for the closing. I couldn't be happier with her conscientious approach and professionalism. Jennifer and her team excel in every possible way!
We had the privilege of having Ahyan Tyler as our realtor. She always responded quickly and answered all our questions and concerns. She made the home buying process go very smoothly. She provided excellent guidance for us. Being first time home buyers, I imagined we would be very stressed but thankfully we had Ahyan guiding us along the way. We would not hesitate to work with Ahyan again! She has been wonderful to us. We are so excited to move in to our new home.
Always available, very knowledgeable about both sides of the process. great personality and worked hard for us to get what we wanted. she walked us through each process and pushed hard back on the financing company when they were not responding to our inquiries. helped us get competitive home owners insurance and a home inspector. she is so well multi-tasked. helped us to finish documents quickly
We'll get in touch with you soon.