Here’s a little industry secret: getting a loan always comes with a small degree of uncertainty.  A mortgage approval is dependent on many factors that are uncertain. If a client changes jobs, takes out extra credit, co-signs a loan for a family member during the home-buying process they can lose their approval. It could also be that the house you are looking to purchase has a structural flaw that most lenders will not accept.  Here’s the good news, an experienced mortgage broker will get you pre-approved and take as much uncertainty out of the process as possible. This will eliminate stress and help you the buyer buy a house with confidence