How (NOT) to Destroy Your Mortgage Approval!!!

Mortgage and Lending with US Bank NMLS: 22343

How (NOT) to Destroy Your Mortgage Approval!!!


Ever wondered about the most common (as well as lesser known) ways mortgage borrowers sabotage their own loan process?


  • Do they dispute credit items and try to fix their FICO scores?
  • Do they change jobs without telling their lender or broker?
  • Do they mistakenly wire their down payment to a cyber criminal in Russia?


All of the above can be mortgage destroyers --- and not like the KISS kind of Destroyer --- the one that captivated me as a child.


So, let's take the mask off the Top 10 ways unsuspecting homebuyers and those looking to refinance encounter the God of Mortgage Thunder.  Don't be next! 


Get up, everybody's gonna move their feet!



Rob Spinosa
SVP of Mortgage Lending

Guaranteed Rate
NMLS: 22343 
Cell/Text: 415-367-5959


Marin Office:  324 Sir Francis Drake Blvd., San Anselmo, CA  94960 

*The views and opinions expressed on this site about work-related matters are my own, have not been reviewed or approved by Guaranteed Rate and do not necessarily represent the views and opinions of Guaranteed Rate.  In no way do I commit Guaranteed Rate to any position on any matter or issue without the express prior written consent of Guaranteed Rate's Human Resources Department.

Comments (4)

Dorie Dillard Austin TX
Coldwell Banker Realty ~ 512.750.6899 - Austin, TX
NW Austin ~ Canyon Creek and Spicewood/Balcones

Good morning Rob,

Excellent and very visual message on the three main mortgage destroyers!! Wise advice!

Dec 08, 2022 07:57 AM
Lise Howe
Keller Williams Capital Properties - Washington, DC
Assoc. Broker in DC, MD, VA and attorney in DC

Amen! I send a whole list of things to avoid to my buyers after they get approved!! no need to throw an unnecessary wrench in the process!

Dec 08, 2022 09:29 AM
Anna "Banana" Kruchten
HomeSmart Real Estate - Phoenix, AZ

Hi Rob. It's so important to have 'that talk' with buyers upfront and along the way to remind them what could mess things up for getting approved for their mortgage.s  Thankfully I haven't had many over the years that did that.........1 or 2 come to mind but somehow we managed to pull it together for them after some due diligence by all.

Dec 08, 2022 02:48 PM
Charles Ross - eXp Realty LLC
eXp Realty LLC Salina Group - Salina, KS
Love To Help People

Excellent video Information. Thank you for sharing. Have a wonderful day and a blessed weekend.

Mar 31, 2023 05:45 AM