FREE DOWNLOAD
Avoid These 5 Common Loan Mistakes
The Critical Missteps First-Time Buyers Make That Can Kill Their Approval
Download our expert-backed checklist to steer clear of costly loan errors, strengthen your application, and move one step closer to getting that “yes!” from your lender.
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FREE DOWNLOAD
Avoid These 5 Common Loan Mistakes
The Critical Missteps First-Time Buyers Make That Can Kill Their Approval
Download our expert-backed checklist to steer clear of costly loan errors, strengthen your application, and move one step closer to getting that “yes!” from your lender.
Privacy Policy: Your Information is 100% Secure.
"In the last 30 days, I've: Fixed two credit report errors, improved my debt-to-income ratio, found a lender I trust, submitted a strong pre-approval application, a strong pre-approval applicationnd I’m now under contract for my first home. This guide saved me from some serious setbacks!"
Michelle, First-Time Homebuyer
IN THIS FREE GUIDE, I’LL SHOW YOU:
In this free TOOLKIT, I'll show you:
THE TOP 5 LOAN MISTAKES
You’ll uncover the five biggest reasons first-time homebuyers get denied—so you can avoid them and keep your approval on track.
DON’T TANK YOUR CREDIT
What not to do before (and during!) the application process that could damage your score without you realizing it.
MONEY MOVES THAT MATTER
Learn why that new credit card, big deposit, or job change could raise red flags—and how to plan ahead the right way.
PRO TIP: COMMUNICATION IS EVERYTHING
The #1 thing to say (and what NOT to say) to lenders when they’re reviewing your file. Small missteps = big delays.
and more...
Hi, I’m Derek Mercer — founder of Loan Approval 101, and I help first-time homebuyers understand the loan application process so they can avoid costly mistakes and move confidently through every step.
The Avoid These 5 Common Loan Mistakes guide has helped thousands of buyers protect their approval odds, avoid unnecessary delays, and start their homeownership journey feeling empowered and informed.
Without it, you risk making decisions that seem harmless but can seriously hurt your chances of getting a mortgage.
With it, you’ll know exactly what to watch out for—before you even fill out the first form.
Let’s protect your approval and get you across the finish line ;-)
Derek Mercer
WHAT ACTUAL CLIENTS HAVE TO SAY ABOUT GRACE...
"I was about to change jobs before closing and had no idea that could kill my approval. Derek’s guide helped me dodge that bullet just in time!"
Alyssa, First-Time Buyer
"I had no clue that large bank transfers could cause so many issues. This checklist made me feel 10x more prepared."
Jonathan, New Homeowner
"I’m a planner, but this guide pointed out things I didn’t even think about. I felt ahead of the game during the entire process!"
Reena, Future Buyer