Tell-tale Signs You Need a Second Opinion

When it comes to the mortgage process, things don’t always go as planned. We get it.

The thing is, your financial make-up (credit score, debt-to-income ratio, etc.) is unique to you. Knowing that, you also need to know that a one-size-fits-all approach just won’t work for you and your homeownership goals.

Before making decisions surrounding a major purchase, it’s a good idea for you to get a second opinion on financing options to ensure you have a clear understanding of your future, get all your questions answered, and give you the peace of mind you deserve.

Have you worked with another lender who told you that your homeownership dreams are out of reach?

If so, maybe it’s the best time to seek financing advice from another expert mortgage professional.

So, should you get a second opinion?

  • If you’ve missed your scheduled closing date – yes.

  • If you’re not ready to buy due to your credit score – yes.

  • If your current lender didn’t have time to call back – yes.

  • If you need a special program that your current lender doesn’t offer – yes.

What can a second opinion do for you?

  • Confirm your current offer is your best offer.

  • Inform you of all available financing options.

  • Prepare you for the future.

  • Give you confidence in your decision.

What if you haven’t met with another lender? 

Say you don’t relate to the scenarios above. Maybe you don’t need to get a second opinion. Maybe you’re on the fence about moving forward with a home purchase for other reasons – which is common and understandable.  

Either way, we’ve got you covered. 

Since the home loan process looks different for everyone, meet with a mortgage lender you feel comfortable with, and most importantly, someone you feel is equally excited about changing your status from homebuyer to homeowner.  

The bottom line: Home financing can be tailored to fit you and your specific needs.

Placing your trust in a lender who has your back every step of the way is essential to an enjoyable home buying experience. After all, a home is a major purchase, an investment, and the foundation for your future. You’ll want to make sure you’re taking the steps that make the most sense for you, your finances, and your homeownership dreams.

Whether you’re feeling like you need a second opinion, have questions on how to get in a comfortable position to buy, or just want to talk about your options, book a complimentary mortgage consultation to get started.

With a second opinion and custom plan, you’re one step closer to getting the keys to your dream home. 


Information is for educational purposes only and should not be relied upon by you. Information deemed reliable but not guaranteed. All loans subject to income verification, credit approval and property appraisal. Not a commitment to lend. Atlantic Bay Mortgage Group, L.L.C. NMLS #72043 ( is an Equal Opportunity Lender. Located at 600 Lynnhaven Parkway Suite 203 Virginia Beach, VA 23452.