APPROVED: The Mortgage Playbook Your Bank May Never Show You

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APPROVED: The Mortgage Playbook Your Bank May Never Show You

By: Phil Ganz

Narrated by: Joe Wosik

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One bank's no isn't the end of your house search.You might need a different loan, a different way to show your income, or a lender that offers something your bank doesn't. Before you put the house hunt away, find out what actually stopped the loan.APPROVED puts 46 real buyer questions into three parts: the FHA deal-savers, the hidden menu beyond FHA, and a playbook for your next conversation with a lender. Each question gets a 30-second answer up front, then a plain-English explanation with real dollar figures and the arithmetic shown. Open to the problem in front of you. You don't have to read it from page one.Questions the book answers:Can I really buy with 3.5 percent down?Can my family give me the down payment? (And why you should never write "cousin.")How much can the seller pay toward my costs?Can someone help me qualify without moving in?Can I buy with zero down through VA or USDA?Does my overtime count? Does my roommate's rent?Can I get a mortgage if I'm self-employed and my tax returns look bad?The condo isn't FHA-approved, the house needs work, the appraisal found repairs. Now what?Simple black-and-white drawings carry the tricky parts. WHAT YOU'LL NEED checklists tell you which papers to gather. Paired THE BANK SAID and ASK THIS INSTEAD boxes give you the exact words for the next call. And one question runs through every chapter: is that a HUD rule, or is that this lender's rule? Banks have short menus. The rulebook is bigger than any one bank's box.Phil Ganz has spent more than 26 years in the mortgage business and runs Next Wave Mortgage in Fort Lauderdale, Florida. He is also the author of Make Florida Your Home and The Reverse Mortgage Inheritance Strategy.©2026 Phil Ganz (P)2026 Phil Ganz

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