Why I Got Approved for Less Than I Expected

Описание: Low mortgage pre-approval? You’re not alone — and it’s NOT always your fault. I’ve seen this happen to buyers making six figures. You expect $500K… and the bank says $260K. What’s going on?

Hi, I’m Ella Gurfinkel — senior loan officer with 30 years of experience and thousands of closed deals. In this video, I’ll expose:

• The real reason your pre-approval came back shockingly low
• The hidden formula lenders use (and don’t explain)
• 3 powerful moves that can instantly boost your approval
• A real story of a client who jumped $100K just by switching strategies

⚠️ Spoiler: it’s not about how much you make — it’s how they calculate risk.
🧠 If you're serious about buying in 2025, you need to know how the game is played.

📲 Book your free strategy call here: https://calendly.com/teamella/a-conve...
Don’t let one number define your future. Let's fight for the one you deserve.

00:00 – I got pre-approved for less?!
00:18 – Why so many approvals are lower than expected
00:39 – Who I am & what I’ve seen
01:00 – Real story: 400k expected → 250k approved
01:31 – The #1 approval killer: DTI
02:28 – Example breakdown: $100K income, $900 monthly debt
03:22 – Why student loans are hurting your approval
04:00 – Market context: rates, prices & delays
04:55 – 3 ways to boost your buying power
05:00 – Move #1: Pay off high-interest debt
05:13 – Move #2: Add a co-borrower
05:55 – Move #3: Shop multiple loan programs
06:31 – Getting denied isn’t the end — it’s a wakeup call
07:04 – Real client story: $100k more with the right lender
08:40 – What we’ll do together on your call
09:00 – Final advice: stop making excuses, start making moves

I'm Ella Gurfinkel, a Senior Loan Officer at Fairway IMC, and since Valentine’s Day 1996, I've been helping clients to achieve the cornerstone of the American dream - Homeownership. I take the time to find solutions for the most complex situations, even if it consists of 1,000 pieces.

Stay up-to-date on the latest news! Like, share, and subscribe to my videos.
I am here if your home loan questions need answering.

Website: https://www.fairwayindependentmc.com/...
Facebook:   / teamellaportland  
Instagram:   / teamella_fairway  
LinkedIn:   / ella-gurfinkel  

This Channel has been created to make your home purchase (or refinance) easier and simpler. To help you avoid making mistakes in this sometimes crazy process and to simply answer the questions you may be too afraid to ask!

Ella Gurfinkel | Senior Loan Officer | NMLS 188161
503-358-7769 | [email protected] | www.teamellaportland.com
FIMC NMLS 2289 | 6650 SW Redwood Ln Suite 215, Portland, OR 97224

This video link:    • Why I Got Approved for Less Than I Expected  

#EllaGurfinkel #mortgageBroker #Lowmortgage