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[Music] hey guys uh good afternoon angelo christian financial thank you so much for watching our podcast real estate insider i got a fun one for you today things that you should not tell your mortgage lender when you're getting a home loan and you're saying and you're going to wonder hey why is angelo saying there's things you should actually hide from your mortgage lender no i'm saying you know when you're getting a home loan you want to be very transparent you want to be honest you don't want to hide anything or be deceitful but obviously when you're buying real estate it's a major transaction uh how many guys out there ever tried to buy a home before and you're really taken back or aside by all the questions that your loan officer is asking you know there are some things when you're getting a home loan that you don't want to disclose you don't want to discuss or actually do because you can actually jeopardize the transaction or affect yourself from getting approved for the home loan so i'm going to talk about these things today it's very very important that you pay attention if you're trying to get a home loan there's things that you do want to disclose and there's things that you don't want to disclose obviously you want to be on be honest be truthful when you're getting your home loan be very upfront so that way the lender can properly assess your situation and diagnose the best type of loan program for you what you need but there are some things out there that i think are important that you don't want to share or you want to be careful the way that you ordered it or scripted uh to your loan officer so here they go so the things that you should not tell your mortgage lender in the order of top down priority so one of the things i hate to hear when i'm talking to a client they say hey well angela i'm still trying to figure out my down payment i don't know where i'm going to get my money from lenders don't like to hear that guys you got to have a plan for your down payment all right so if you come to a lender and you got to do an fha loan you got to put three and a half percent down have a plan for where that money is going to come from i don't know where i'm going to get that from my uncle johnny or i'm just going to pull that out of my 401k you have to have a plan to let the lender know where's that money going to come from because if you tell them i don't know i don't got the money i ain't got no money then they're not going to take you seriously they're going to want to work with you okay so don't don't let don't let a lender lead on to think that you don't have the money for closing all right people don't like to hear that then they're going to because a lender is trying to figure out how they can close you and get the loan approved for you if you have to put 20 percent down for conventional explain them where the money is going to come from right you know this is a funny one i always i get this all the time um a lot of people are like hey don't tell my spouse what's actually on my credit report they don't want their spouse to know what's actually on their credit because if they see it they might freak out i had one of my clients he had uh he was you know he was an uh he was an attorney and he had all these different accounts with like jared's and all these different um these you know the ring company brothers go uh i forgot the name of the company there's jared he had one with diamond brothers anyway he didn't want his spouse to see that because he was cheating on his wife with some other women and so he is and he didn't want his wife to know about it so if you're telling a lender you don't want them to know what your spouse has on your credit it could be something that's shocking or scary because maybe you have a lot of debt and the loan won't get approved so that's something that you definitely don't want to let on to your lender let them know especially if you're in a community property say like in texas if you're getting a mortgage in texas we have to pull the credit on both spouses so even if your wife's not going on the loan you're doing an fha loan for example or a va loan or a usd alone we have to pull the credit on both spouses even if there's only one spouse going on the loan but i thought this is a funny one i hear this all the time hey angelo don't tell my wife what's on my credit report i don't want her to find out about it so don't let your don't let your lender lead onto that or think that because then they're going to think that some of the fishy is going on and they don't like to hear that type of thing number three i hate to get this and you know and i hear this sometimes from clients not really so much more but if you're talking to a lender like this hey man i'm shopping you with five other lenders what's your rate buddy that's an immediate turn off to a lender if you're shopping them with five other lenders and you're like hey what's your rate man people don't like to be talk to you like that okay and if you're it's okay to shop for a loan there's nothing wrong with shopping for a loan but if you're acting like that up front someone's not gonna work hard for you and put all this effort and service into helping you to try to get your loan approved if you're out there shotgun your deal all over the city and try to find the cheapest rate you know that's not really you know the best way on how to do business there's nothing wrong with shopping for a loan but i think being diplomatic and having the proper discourse to be able to discuss that with somebody is very very important number four uh this is a no-no right here and i hear this sometimes from clients hey i can't wait to get that money back from the seller what do you promise me okay when you're doing a real estate transaction everything has to be put on the contract you can't have any side deals with a seller hey the seller's going to kick me back five thousand hey the seller's gonna give me a hot tub after closing all that stuff you can't be talking to a lender like that because it has to show up in the contract if the seller's paying your closing costs has to be in the contract if he's giving you the hot tub has to be in the contract if he's giving you the you know the lawnmower has to be on the contract you just can't say all this stuff hey he's going to throw that back to me after closing you can't talk to a lender like that okay that's a big big no-no this right here is another turn off right here if you're telling a lender i can't believe how much work this house needs lenders don't want to fund properties guys that need a lot of repair so if you're sitting here telling the lender hey it needs 50 000 worth of work i promise you the first thing that lender's thinking is i don't want to touch this deal okay so if you're telling a lender oh it needs all this work let's just wait until the appraisal comes back let's wait until we get the inspection and let's see what that says if you're sitting here already telling a lender man this thing is a it's a dump it needs all this work he's not going to want to go to work for you and try to get the loan approved because he thinks it's not going to fund lenders don't like to fund properties that need a lot of rehab so it's a big turnoff these are the five main things that i see that people tell the lenders and why their loan gets denied or why their lender doesn't return their call or doesn't want to do business with them okay so these are five important things that that you definitely don't want to let your lender know um because if you do he's probably not going to want to do business with you so really important thing great video i hope you guys got good value out of this remember we are a nationwide lender we've been lending in america for over 20 years we do commercial and residential nationwide for over 20 years guys that's where america goes for funding if we can help you with anything to get you pre-approved 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