The 4 Most Common Mortgage Approval Hurdles in 2025

Joshua Franklin

Published on: 10/11/2025

Getting Pre-Approved Isn’t the Finish Line In 2025, more buyers are hitting unexpected roadblocks after getting pre-approved for a mortgage. That initial green light feels like a win—but as Josh Franklin explains on loanofficerjosh.com, pre-approval is just the beginning. "My job isn’t just to help you get approved," says Josh. "It’s to make sure nothing derails the process once you do." Here are the top four hurdles buyers are running into in 2025—and what you can do to avoid them.

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What Credit Score Do You Need to Qualify for a Mortgage in 2025?

Joshua Franklin

Published on: 10/11/2025

Understanding Credit Score Requirements in 2025 If you’re thinking about buying a home this year, one of the first questions you’re probably asking is: "What credit score do I need to qualify for a mortgage?" According to Josh Franklin, a seasoned loan officer at loanofficerjosh.com, understanding your credit profile is one of the most important first steps you can take when preparing to buy.

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Is Now a Good Time to Buy or Refinance? What to Consider

Joshua Franklin

Published on: 23/10/2025

When rates are volatile, the question “Is now a good time to buy or refinance?” always gets louder. After the expected mid-September cut by the Federal Reserve, many buyers and homeowners are asking: should I act now—or wait?

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Will Mortgage Rates Go Down Soon? What to Know Before You Wait

Joshua Franklin

Published on: 23/10/2025

Many homebuyers and refinancers are hopeful right now. After all, with whispers of a rate cut from the Federal Reserve, some of the optimism is that mortgage rates might fall, making it a great time to lock in. But before you hit “wait,” let’s unpack what’s really going on—and why timing the mortgage market isn’t so simple.

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