Why I Got Approved for Less Than I Expected
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Why I Got Approved for Less Than I Expected
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Got pre-approved for way less than you expected? You’re not alone — and it’s NOT always your fault.
I’ve seen this happen to buyers making six figures. You expect $500K… and the lender comes back with $260K. So what’s really going on?
I’m Ella Gurfinkel, Senior Loan Officer with 30 years of experience and thousands of closed deals. In this episode, I break down the hidden math lenders use, why income alone doesn’t guarantee buying power, and how my clients boost approvals fast — sometimes by $100K or more.
💡 You’ll learn:
- 🧮 The real formula banks use to calculate your approval (and why they don’t explain it)
- 🚫 The #1 approval killer: DTI — and how it quietly caps your buying power
- 🎓 Why student loans hurt more than most people realize
- ⚙️ Three proven moves to instantly increase your pre-approval
- 📈 A real client case: how switching strategy unlocked $100K more
⚠️ Spoiler: It’s not about how much you make — it’s how lenders measure risk.
If you’re serious about buying in 2025, you need to know how the game is actually played.
👉 Book your free strategy call:
📅 https://www.calendly.com/teamella/
Don’t let one approval number define your future. Let’s fight for the one you deserve.
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