Is it really hard to get a loan right now?

Is it really hard to get a loan right now?

Ahh, the question I get so often…  It seems to be what’s on everyone’s mind.  Is it really hard to get a loan right now?  If you want a a yes or no answer here it is… It Depends.  Here’s why –  Loans are not by them selves hard to get.  The truth is that if you qualify based on your credit, employment history, and income the banks are not allowed to turn you away.  The lenders and their underwriters do not have a “gut feeling” ruling on a loan.  They are simply doing the math and collecting documentation.

So what’s so hard?  Well I think it’s this – I think many folks, and their loan person, skip some important first steps.  To me, the vital first step that is often missed is the Initial Consultation.  Most people in the loan biz don’t take the risk to meet with their clients face-to-face, and spend the time it really takes to discuss all the potential obstacles.  Because of that surprises occur, extra documents are required, and delays happen.  Sometimes this even results in the loan being denied.

So how do we make your loan easier?  We take the necessary time and risk to ask the important questions that will help you get where you want to be.  Step 1 = Initial Consultation.  If you’re interested in learning more about just how easy a loan can be with us click here and request and let me know what you’re looking for.  Then I can let you how I might be able to help.

Jeremy Beck
Mortgage Planner
The Easy Lender


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