Exposing the secrets of the home loan process
Understand the rules before you play the game.
Stop guessing what lenders want.
Understand what the underwriting gods are looking for.
How much credit scores impact rates and costs, and your loan approval.
Why small details can change everything—before you apply.
What We Do
Loan Approval 101 is an easy-to-follow education course built specifically for first-time homebuyers who want to understand how home loans work — from start to finish, inside and out. Whether you're just starting to dream about owning a home or already house hunting, we’ll help you:
🏡 Understand what a home loan is and how it works
📄 Know what documents and credit scores lenders want
💸 Avoid common homebuyer mistakes
✅ Move through pre-approval, underwriting, and closing with confidence
What You'll Get
An Extensive Education
Our course will explain what home loans are, the types of home loans available, and the vast majority of what lenders are looking for when reviewing your loan application for approval.
Member Groups
Our member groups involve people just like you discussing their challenges, accomplishments, and questions to help you during your journey.
Exclusive Resources & Tools
Access to guides, checklists, and calculators to simplify your home loan journey.
ABOUT US
At Loan Approval 101, we understand that the home loan process can feel overwhelming — especially if you're a first-time homebuyer. Our mission is simple: to educate and empower homebuyers to confidently navigate the loan application process and achieve their homeownership dreams.
Derek Mercer
Founder
Office: 255 Rivertown Shops Dr Ste 102-100, St Johns FL 32259
Email:
Instagram:
@loanapproval101
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