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This scenario starts with a client that found us online through social media. The client had very high scores, a great job, and income, however, had been denied by multiple banks and credit unions locally. She had owned a home which was busting at the seams and was looking for more space and land for a growing family. She had made it as far as selling her home on her own yet couldn’t find a way to get approved. She happened to be purchasing her next home from a family member (who was growing very impatient) and the deal was going to fall apart if she wasn’t able to get financing for it. This was a textbook, what the heck were these banks thinking kind of deal. She had 65k in proceeds and told everyone she had applied w/ that she was going to use all of her proceeds as a down payment. The problem was she had a lot of consumer debt coupled with the fact that unfortunately bankers are trained to take orders not think objectively. Within a very short time, we were able to redirect her funds to pay off all of her consumer debt by reducing her down payment in doing this we put her in a shorter term than what she was originally planning on and increased her monthly cash flow. This was a big win particularly because of the underlying family riffs that were starting to result in her inability to find financing. Luckily we were able to help keep the peace, manage expectations, and help this family navigate through a for sale by owner sale and purchase and help this client achieve her goal!