Most clients expectations are that they will get their loan… However, I had a client who had terrible credit. In the low 500’s with no chance of getting a loan. I worked with them and advised them on what to do to get their credit up, and as soon as we got it above the 600 mark, i was able to get them approved. They found the perfect house for them and their family, and the time that it took for them to increase their score, the rates came down as well. So they were able to get a much lower rate then they thought with a much lower payment. Win-Win all the way around.