Sarah, Sarah, some day praise.

Okay, David Yantif is here. We got more Bravo T to talk about. Also, an update on my home loan rejection. So I told you guys, last week, I think I did a video. Basically, my husband and I were in escrow for a home here in L.A., which I didn't know what escrow meant. It's essentially you put 3% down, almost in like good faith. It comes out of your 20% down payment that you intend to buy this house, right? And then, of course, you do your inspection and you have to get homeowners insurance, all the other things.

So many of you guys listening to this have already purchased homes. And we, our lender had said, oh, you're approved for this mortgage and you're approved for this loan.

We've been talking to our lender for two months, two months. Our friggin lender from the credit union called up the seller's

realted vouched for us, called up our realtors. Oh, yeah, they got money, blah, blah, blah,

told us we were approved for this. We sent a letter, you know, an offer letter that was

accepted only to be probably about four or five days into escrow.

And she just sends us an email out of nowhere and goes, oh, sorry, you're actually denied for the loan.

If anything, you might qualify for half of what we told you you were going to qualify for because I own my own business.

And Schmano is a 1099, but he hasn't been at the job for two years.

So none of his income counts. I'm learning a lot,

by the way, in this mortgage world. But anyhow, thankfully, I put out the video and I got hundreds

of messages from you guys. Either you know somebody that's a lender. You gave me great advice.

The biggest mistake we made was we did not shop around. We went just to Navy Fed. I've been a member at Navy Fed for a long time. If you own your own business and your partner does 1099, I would not go through them for a 30-year conventional loan. Okay, there's my advice. Sorry, they don't get a good review. Because I have to imagine the lender could have looked at our situation two months prior when she approved

us and said, yeah, this is going to be a problem with the credit union. I don't think she ever even

opened our tax returns. I have no idea. Maybe she did, and I, you know, certainly maybe it's just

in the hands of the underwriter, and there you go. But I wanted to thank you guys. So many of you sent me amazing messages.

You gave me referrals for people who do loans. So I am going through that. I definitely want

somebody that really knows the California market. It's crazy here after the wildfires.

Very hard to get homeowners insurance. It's a very competitive market still. So I'm sure I'm going to be like, yeah, I'm going to be hiding from that realtor,

the seller's realtor, and hopefully I never have to run into the seller ever again.

Nice.

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