The One Sentence That Can Change an Entire Loan File

Описание: 🌟The One Sentence That Can Change an Entire Loan File

Most homebuyers think their loan approval comes down to credit score, income, and down payment.

But here’s the truth most lenders never explain:

👉 One sentence can change the entire outcome of a loan file.

In this video, Kris McCullough breaks down how a simple explanation — often called a Letter of Explanation — can either save a deal or completely derail it. If you’ve ever worried about a job change, a large bank deposit, a credit inquiry, or a past late payment, this video is for you.

You’ll learn:
• What “the one sentence” actually is
• Why underwriters care more about patterns than perfection
• Common mistakes buyers make when explaining issues
• How clarity and honesty reduce lender risk
• Real-world examples of explanations that work (and ones that don’t)

This isn’t about making excuses — it’s about providing context. Underwriters hate mysteries, and the right explanation can turn a red flag into a green light.

If you’re buying a home now or planning to in the future, understanding this can save you time, stress, and even prevent a denial.

🎯 Bottom line:
Buying a home isn’t about being perfect — it’s about being explainable.

If you want guidance from a team that knows how to structure loan files the right way from day one, you’re discussing the right stuff.

Kris McCullough
📱 Call/Text: 951.387.0037
📧 Email: [email protected]
🌐 www.KrisMcCullough.com
NMLS#1756904 | DRE#01985953

Patriot Pacific Financial Corp
NMLS#1921615 | DRE#02103516
Equal Housing Opportunity

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