The Pre-Approval Trap: What a Mortgage Really Is—and Why Most Buyers Confuse Approval With Affordability
I have worked with homebuyers for years—across boom markets, rate shocks, bidding wars, and “normal” markets that never feel normal when you are the family trying to buy your first home. I have sat at kitchen tables, reviewed paystubs and bank statements, explained Loan Estimates line by line, and watched the same emotional pattern repeat […]
