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How to get pre-approved for a mortgage (Lender Exposes 5 Red Flags)
If you’re helping buyers compete in a hot market, don’t overlook the power of the appraisal gap guarantee.
Too many agents advise waiving the appraisal contingency entirely — but that exposes buyers to unnecessary risk. Instead, I walk you through a smarter solution: capping the appraisal gap.
In this video, I break down:
• What an appraisal gap guarantee really means
• How to write one that protects your client
• What amount to cap it at (hint: up to 5% is common)
• Why proof of funds is essential
• How this tactic can win deals without putting buyers in danger
If you want to structure it right for your next offer — book a free consult below.
00:00 – Why FHA Loans Spark Controversy
00:44 – The Truth About Who Pays for FHA
01:29 – Misconceptions About Taxpayer Money
02:02 – Green Card vs. No Green Card: What Changes?
03:01 – It’s Not a Handout — It’s a Loan
03:45 – How FHA Insurance Actually Works
04:37 – Why This Debate Is Personal
05:25 – My Journey to U.S. Citizenship
06:31 – What Legal Status Really Means
07:45 – The Long Road to a Green Card
08:34 – Refugees, Work Visas, and Homeownership
09:50 – Who Deserves to Buy a Home?
10:38 – Let’s Talk About Down Payments
11:20 – $400K Home, Only $1,500 Out of Pocket
12:15 – You Don’t Need 20% Down – Here’s Why
13:08 – Why You Need an Expert by Your Side
14:10 – Final Advice: Build Wealth Through Homeownership
I'm Ella Gurfinkel, a Senior Loan Officer at Fairway IMC, and since Valentine’s Day 1996, I've been helping clients to achieve the cornerstone of the American dream - Homeownership. I take the time to find solutions for the most complex situations, even if it consists of 1,000 pieces.
Stay up-to-date on the latest news! Like, share, and subscribe to my videos.
I am here if your home loan questions need answering.
Website: https://www.fairwayindependentmc.com/lo/ella-gurfinkel-188161?nmls=188161
Facebook: https://www.facebook.com/TeamEllaPortland
Instagram: https://www.instagram.com/TeamElla_Fairway
LinkedIn: https://www.linkedin.com/in/ella-gurfinkel/
This Channel has been created to make your home purchase (or refinance) easier and simpler. To help you avoid making mistakes in this sometimes crazy process and to simply answer the questions you may be too afraid to ask!
Ella Gurfinkel | Senior Loan Officer | NMLS 188161
503-358-7769 | [email protected] | www.teamellaportland.com
FIMC NMLS 2289 | 6650 SW Redwood Ln Suite 215, Portland, OR 97224
This video link: https://youtu.be/3iARFZU0244
#EllaGurfinkel #mortgageBroker #TheSeller'sGuide
View all episodes
By Ella GurfinkelIf you’re helping buyers compete in a hot market, don’t overlook the power of the appraisal gap guarantee.
Too many agents advise waiving the appraisal contingency entirely — but that exposes buyers to unnecessary risk. Instead, I walk you through a smarter solution: capping the appraisal gap.
In this video, I break down:
• What an appraisal gap guarantee really means
• How to write one that protects your client
• What amount to cap it at (hint: up to 5% is common)
• Why proof of funds is essential
• How this tactic can win deals without putting buyers in danger
If you want to structure it right for your next offer — book a free consult below.
00:00 – Why FHA Loans Spark Controversy
00:44 – The Truth About Who Pays for FHA
01:29 – Misconceptions About Taxpayer Money
02:02 – Green Card vs. No Green Card: What Changes?
03:01 – It’s Not a Handout — It’s a Loan
03:45 – How FHA Insurance Actually Works
04:37 – Why This Debate Is Personal
05:25 – My Journey to U.S. Citizenship
06:31 – What Legal Status Really Means
07:45 – The Long Road to a Green Card
08:34 – Refugees, Work Visas, and Homeownership
09:50 – Who Deserves to Buy a Home?
10:38 – Let’s Talk About Down Payments
11:20 – $400K Home, Only $1,500 Out of Pocket
12:15 – You Don’t Need 20% Down – Here’s Why
13:08 – Why You Need an Expert by Your Side
14:10 – Final Advice: Build Wealth Through Homeownership
I'm Ella Gurfinkel, a Senior Loan Officer at Fairway IMC, and since Valentine’s Day 1996, I've been helping clients to achieve the cornerstone of the American dream - Homeownership. I take the time to find solutions for the most complex situations, even if it consists of 1,000 pieces.
Stay up-to-date on the latest news! Like, share, and subscribe to my videos.
I am here if your home loan questions need answering.
Website: https://www.fairwayindependentmc.com/lo/ella-gurfinkel-188161?nmls=188161
Facebook: https://www.facebook.com/TeamEllaPortland
Instagram: https://www.instagram.com/TeamElla_Fairway
LinkedIn: https://www.linkedin.com/in/ella-gurfinkel/
This Channel has been created to make your home purchase (or refinance) easier and simpler. To help you avoid making mistakes in this sometimes crazy process and to simply answer the questions you may be too afraid to ask!
Ella Gurfinkel | Senior Loan Officer | NMLS 188161
503-358-7769 | [email protected] | www.teamellaportland.com
FIMC NMLS 2289 | 6650 SW Redwood Ln Suite 215, Portland, OR 97224
This video link: https://youtu.be/3iARFZU0244
#EllaGurfinkel #mortgageBroker #TheSeller'sGuide