Why Your Mortgage Approval Is Ruining Your Commission

September 25, 2026

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David Ghazaryan

Owner / Broker / Banker

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(702) 766-3744

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TL;DR

This overview explains how real estate agents can create a more stable and predictable business by understanding the difference between mortgage pre-approvals and full underwriting.

A standard pre-approval is often just a preliminary estimate and can lead to deals falling apart, creating an unreliable commission pipeline.
The solution is to work with 'Certified Buyers' who have undergone a full 'To Be Determined' (TBD) underwriting process before they start looking for a home. This eliminates last-minute financing surprises.
By building a pipeline of Certified Buyers, agents can move from hopeful guesswork to data-driven revenue projections, allowing them to accurately forecast their Gross Commission Income (GCI).

Read the full blog article here: https://www.iqratemortgages.com/blog/why-your-dallas--fort-worth-commission-forecast-is-wrong

Video Transcript:

That buyer's approval letter is not a real loan promise. I’m David Ghazaryan. My system makes loan approval happen first. We approve all money papers before you even find houses. Now your buyer has an offer that is powerfully certain. Your commission stops being a guess. It becomes a promise. See my complete system online. Links are in the description.

Read Blog Here: https://www.iqratemortgages.com/blog/why-your-dallas--fort-worth-commission-forecast-is-wrong

David Ghazaryan

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