Who says it's difficult to qualify for a loan?

I'm Bill Daniels a Certified Mortgage Coach and direct lender in Tustin.  When I tell people I'm in the mortgage business, the immediate response is usually "Is it still difficult to get a loan?".  The answer is really "Compared to what.. the last several years?"  We have gotten so used to the idea that having a 700 plus credit score will get you approved for WHATEVER home you want, that now when we actually help you make the decision of what you can really afford... it's defined as 'difficult'.  Yes.. you need to have an income.... Yes lenders ask for more detailed documentation... yes you may be asked to offer more than you've been used to giving on your last four refinances... but YES... you can get qualified for a property that you will be able to afford.

If you, your clients, or family members are concerned about what you may or may not be able to afford, give me a call or click the "Ask an Expert" button above to your right next to Testimonials, and I will be happy to speak with you.  There is no obligation, and at the very least I can get you headed in the right direction.