Mortgage and Portfolio Loan Guide

How to Buy a House Without Lying to Your Mortgage Lender

How do you actually close on a house without trying to sneak something by the big bad lender?

For some reason there’s this skeleton in everybody’s closet that they don’t want the lender to find out about. They think that if the lender finds out everything is going to fall apart, and they’re right.

But, there are certain things that need to be talked about or resolved, before closing on a house. Here’s the thing, one thing you have to remember is that if there’s an issue, we are going to find out.
There’s no sweeping stuff under the rug.

The way that you buy a house without lying to your lender is by telling the truth from day one.

By doing that (being completely transparent about all of your financial circumstances) it gives the lender the opportunity to work on a solution. Otherwise what happens is the lender finds out some other way.

By waiting, and not telling your lender you set yourself up for failure.

The realtor is set up for failure.
We’re all set up to then be scrambling to try to find a solution the day before closing.

Then the stress level goes through the roof. “what’s going to happen? Am I going to be homeless?”

When really this stuff could have been resolved a month ago (most of the time), and then the stress level isn’t as high.

Let’s just put all the pieces of the puzzle together at the same time, at the beginning, as soon as possible. If you know that there are any issues let’s get it in and figure it out.

We’re all about solutions. Let’s figure it out.

Opportunity. 🙂

I don’t see an issue as “end of the world”. I see an issue as “hey, we’re going to learn something now, we’re going to figure something out.”

The Four Worst Pieces of Advice You Have Ever Gotten

Worst advice ever

Everyone has the answer. Everyone is a critic.

It’s easy to give cheap advice when it’s not your life you’re talking about. What if the person on the other end of that conversation is depending on your insight; looking for guidance on exactly what to do? Obviously, there is no “right” answer, but the message could be tweaked in many cases.

Being a fairly new Dad, I have been increasingly conscious of my thoughts, actions, and reflections about the world around us. Some day, these little stinkers are going to look to me for insight (I know, scary).

Most of these are cliché, blue-collar, “facts” of life. We’ve all heard them, nodded, and usually didn’t think twice.


The Four Worst Pieces of Advice You Have Ever Gotten


Let Go and Let God. The idea that you can’t worry too much about the outcome, and at some point you need to trust that the good lord will take care of you. Okay right, I get it. Don’t be a worry-wart, it’s unproductive. But there is an element in this that’s often missed: God helps those who help themselves. Don’t rely on the idea that some dude sitting in the clouds with a magic wand is going to put a roof over your head, or get you the job you want. You have to grind it out, and make sh!t happen.


Getting a degree will ensure your success. Hey good news, all you need to do is show up to some classes for 4(ish) years, party like there’s no tomorrow, and voila, you get the job you want. K guys, let’s be real. College is tough (so I’ve heard), and the challenges you’re faced with will allow you to grow and become an improved version of who you are. You’ll gain valuable skills and knowledge if you take advantage of the resources appropriately. The reality of it is, college gives you “certification” to work in a specific field, but most importantly, gives you the opportunity to juggle responsibility, testing your limits on what you can endure. The responsibility juggling (and your ability to thrive) is what will ensure your “success”.


Rich people are liars. Before I started this list, I mentioned this is your standard “blue-collar” stuff. Most blue-collar families learn at a young age that money is tight, and rich people are liars. You learn the value of an honest days work very quickly, and you try to put a couple bucks away for a rainy day. The only problem is this type of mindset carries on, and the subject of money is uncomfortable and negative. My parents were kind enough to encourage me to read books about the subject; giving me a chance to think for myself. I will be open with our kids about our finances, and teach them to be curious about how wealth is created.


Work for a big company (or union) for job security. We just came out of “the great recession” so this is a particularly touchy subject. We all watched many of the big guys downsize, and unions were forced to cut their budget. Recent layoffs were the topic of conversation at the dinner table across the nation. We learned that even the most tenured folks were at risk of taking a pay cut and/or losing their job. The moral of the story: you create your own job security. When you become irreplaceable because of your dynamic skills in your respective line of work, it doesn’t matter what the name of the company is on your W-2. You will always find a way to figure it out because of the value that you bring to the table.

Each day we are given the opportunity to take advantage of the resources around us to become “better”. Each day is an opportunity to grow. Do NOT expect the lottery ticket to be waiting for you next to your toothbrush tomorrow morning. Become your own winning lottery ticket.

What was the worst piece of advice you have ever gotten?