This is a YouTube video titled "We’re Creative… but we’re also FAST‼️💨" containing a monologue or presentation from July 1, 2023, discussing creative and fast loan approval strategies to help diverse clients secure home financing despite challenging circumstances. The speaker explains various unique loan scenarios and emphasizes both creativity and speed in closing loans in today's market.
A big part of what we've kind of become known for is using a wide variety of loan options and getting super creative and putting our heads together to figure out ways to get people into homes and to get approvals to turn nos into yeses. So just the last month we've helped people that had an expired work visa, people that had missed mortgage payments in the last 12 months, people that moving across country didn't have a job lined up, people that were in bankruptcy and missed bankruptcy payments, people that had amended their tax returns during the loan, which is a deal killer. And we still found a way to pivot and solve the problem. But that's just a handful out of the couple doz that were closed. And that's the other piece to it as well where the unique scenario comes up. We've got the options, we got the brain power, we know how to find those solutions. But also there's still a couple dozen other people that don't fit the highlight ones where, oh my gosh, can you imagine how do we get that one done? And that's also important. Where the files that have the high credit scores, good down payments. Well, the other side of the coin is we can close those super quickly. Now you don't really get both. You can't get super creative and also get clear to close in two weeks. But that's also important in today's market. Not just finding the creative ways, that's super important, but also finding ways to differentiate your offer, getting you conditionally approved through underwriting before you make the offer, calling the listing agent, helping back up the offer and reassuring them, hey, let's do a 20 day close to get your offer to the top of the pile because the sellers want to move quickly. So there's still a lot of advantages even on just the normal loans, the normal good credit, conventional fha Virginia by just doing it at a little bit different speed.