Sellers Fear This Type of Loan Approval

July 6, 2026

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David Ghazaryan

Owner / Broker / Banker

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TL;DR

A standard loan approval is tied to a specific property, which can disadvantage a buyer during repair negotiations because starting a new loan process is time-consuming and difficult.

A portable underwriting approval, or 'golden file', is a full financial approval of the buyer that is not tied to a property, creating a powerful negotiating advantage.

With this flexible approval, buyers can confidently request necessary repairs, knowing they can easily walk away and apply their approved loan to another home, which also helps protect their earnest money deposit.

Read the full blog article here: https://www.iqratemortgages.com/blog/win-repair-negotiations-in-california-with-a-portable-loan

Video Transcript:

A standard loan approval can become a seller’s hidden weapon. I am David Ghazaryan. I build your approval before you shop. My system fully approves you first, creating a portable loan. This gives you the ultimate power: walking away from bad deals. This process saves you weeks, letting you change houses easily. I explain this full strategy online. See links in description.

Read Blog Here: https://www.iqratemortgages.com/blog/win-repair-negotiations-in-california-with-a-portable-loan

David Ghazaryan

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