Lighthearted moments from loan interviews.
Mid-interview I had someone ask, ‘Can you just use my Credit Karma score so we don’t do a hard pull?’ — . I keep a 10-second script explaining why mortgage scores are different and that the pull is non-negotiable, then I pivot to what might move the needle (points or DTI tweaks). If they still bristle, I offer a quick soft-prequal chat first so they feel heard without me promising magic.