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2 contributions to All things Real Estate
The Truth About Mortgage Documentation: Why It’s So Hard and Why It Has To Be
A long post. Sorry. I was inspired The loan officer’s job is hard — really hard — especially when it comes to documentation requirements. There are guidelines, and every single deal is different. So please, don’t shoot the messenger. The more moving parts there are, the harder it gets. When a client gets pre-approved for a mortgage, here’s the problem. Most lenders don’t gather all the necessary documentation up front because it would overwhelm the client at that point, and it’s really not necessary yet. A good loan officer can identify if the deal will work based on the documentation that’s been provided. There’s nothing shady about this — it’s just the process. A good loan officer typically needs to see pay stubs, W-2s, tax returns, asset information, and credit. With that, they can run the file through the desktop underwriting system and know if the deal works. And yes — some lenders actually issue pre-approvals without verifying any documentation at all. This is incredibly unprofessional, and most people don’t realize how bad that is. That’s not a real pre-approval — it’s a pre-qualification. A good lender knows the difference and takes the time to get it right. Here’s the deal: a good loan officer will ask for everything necessary to be certain the deal will go through. If there’s a page missing or a signature missing, we don’t ask for it yet, because at that stage, it’s not necessary to put the client through all of it. But once the loan goes into processing, we’ll need everything. That’s why pre-approvals can be turned around pretty quickly — because we know what we’re looking for and we can see that it works. But let’s be clear — nothing is certain until the closing. If a borrower loses their job before the closing, that loan is done. It doesn’t matter if we already have pay stubs, W-2s, and tax returns showing what they used to make. It doesn’t matter if they used to make a million dollars and the loan amount is only $300,000. If they’re fired and now have no job, their income is zero. Period.
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Big News: The New Agent Launch is LIVE!
Hey guys! We are excited to announce that our New Agent Launch Program is now live here in the community! This free program is designed for all agents, whether you are already in the business, just getting started, or still working on your license and not sure where to begin. It covers everything from building your network and branding yourself to creating your ā€œdream teamā€ of partners and laying the foundation for long-term success. You can find the full program right here in the platform under the Classroom tab. Dive in, explore the modules, and let us know what you think! If you know other agents who could benefit, encourage them to join the community and check it out as well. We’re so excited to see how this helps you launch your career!
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Jordan Hamilton Blake
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@jordan-hamilton-blake-3346
Real estate investor

Active 1d ago
Joined Oct 7, 2025
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