I'm tired of gate keeping Here's what mortgage pros

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Most buyers walk into the process carrying myths that can cost them time, money, and peace of mind.

Here are the top misconceptions I hear every day ranked by how much they surprise people



#1: Your first mortgage payment isn’t due right away.
Close this month? You probably won’t make your first payment until the next one. That’s a financial breather most people don’t plan for.

#2: Paying off a car loan can backfire.
Sounds smart, right? But sometimes it lowers your credit score or drains your cash hurting approval instead of helping.

#3: Pre-approval ≠ your budget.
That number is just what the bank says you could borrow, not what you should spend.

#4: Sellers can buy down your rate.
Negotiating credits can save you hundreds per month—something most buyers don’t even know to ask about.

#5: Lender credits exist.
And yes, they can wipe out a big chunk of closing costs if you know how to structure your loan.

These are the kinds of “insider truths” that change how you approach buying a home.



Comment or DM me “SECRETS” and I’ll send you the full list (plus show you which ones matter most for your situation).



Chris Peck | President

Mortgage Professional

NMLS# 213914

Call Us: 972-334-0566

customerservice@gfmloan.com

www.guarantyfederalmortgage.com

#GuarantyFederalMortgage #HomeLoansTexas #HomeLoansFlorida #HomeLoansOklahoma #HomeLoansColorado #TexasLoanOfficer #ColoradoLoanOfficer #OklahomaLoanOfficer #FloridaLoanOfficer #TexasMortgageBroker #FloridaMortgageBroker #OklahomaMortgageBroker #ColoradoMortgageBroker
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