Here's an amazing client success story!

An Unforgettable Experience:

This story remains one of the most memorable examples I've encountered in my career. But probably one of the biggest examples that I think I've ever had, and I sort of think about it all the time, still, was this lady who came in. She lived in the house that her dad had owned. They were going to foreclose on the house. The parents had gotten divorced, so they were paying the dad. The dad was supposed to be paying the mortgage payment. He lived somewhere else. He wasn't. He was just taking the money. So, they were going to foreclose on the house and take it from her. It's a situation I’ll never forget.

Facing Insurmountable Challenges:

The challenges she faced seemed insurmountable at first. She's a self-employed hairdresser with two kids. She has a 500 credit score and no money. And she has a bunch of credit card debt. So, I swear to God, I gave her a list this long. I'm like, you have to do all of these things to get to a spot where we can do a loan for you. And I'm thinking, I'm never gonna hear from her again. So, she calls me a year later. She convinced them not to foreclose on the house through some, whatever. She got an additional six months or something. Her resilience in the face of adversity was truly inspiring.

The Surprise of Determination:

Her return, ready to move forward, was a moment that caught me off guard. She comes back a year later. She's like, I did it all. I'm ready. And I'm like, oh, man, I don't really want to kill this girl's dreams because this is so hard. Like, almost impossible. I'm going to pull her credit, and she's going to think it's good, and it's not. But no, she fixed her. I don't even know how she did it. I don't even know if I want to know how she did. Ends up with a 660 credit score, a home that she owns that has $90,000 in equity. Her payment drops compared to what she was paying her dad, like, in half, and then she just ends up saving more money. The transformation she achieved was beyond what I could have imagined.

A Remarkable Outcome:

The outcome of her journey was nothing short of remarkable. She comes back a year later. We refinance, she renovates the house, and it turns into this big success story over two years. But I'm like, I told her on the phone, when she closed or she's getting ready to close, I was like, I'm proud of you. Seriously proud of you. She's crying. It was one of the biggest changes in anyone's life that I had seen through a mortgage ever. She's down in the dumps, about to get foreclosed, has nowhere to go. No family. Her dad's estranged, and left the family. And I'm like, man, this probably isn't gonna work. And then, two years later, she's renovating the bathrooms and finishing the basement for her kids, and she's got all this equity and this good credit score, and it was this big character arc almost. It was really cool to see. It's a story that will stay with me forever.