During my 16-year career in Real Estate, I have encountered many situations where I have had the opportunity to educate clients on the buying and selling process. Some become discouraged when their approval letter does not indicate the loan amount or finance terms they expected. They then feel that this limits their housing options to the possibility of moving into their desired neighborhood. As a result, many clients decide to defer their purchase until the market crashes, or simply not move forward at all. As a hi...