In today’s digital world, it’s easier than ever to apply for a mortgage online. A few clicks, some basic information, and—boom—you’ve started the process. But is that really the best way to go about one of the biggest financial decisions of your life?

The short answer: No.

Sure, online applications are convenient, but when it comes to something as important as the largest investment you and your family will ever make in buying a home, convenience shouldn’t replace clarity, guidance, and confidence. Here’s why applying in person (or at least over a video or phone call) is always the right move.

You Don’t Know What You Don’t Know

Online applications are designed to be simple. And while that sounds great, mortgages aren’t one-size-fits-all type of process. A website won’t ask follow-up questions to uncover potential savings, better loan options, or strategies to improve your approval odds.

When you speak with a real person, (that’s where I come in) we can dive deeper into your financial situation, goals, and concerns—ensuring you’re making the best possible decision for your family and for your particular situation.

Avoid Costly Mistakes

Ever misread a question on a form? When you apply online, one small mistake could impact your approval or loan terms. I’ve seen people be so far off on their income they don’t even think they can be approved-think net versus gross income for one, some folks forget about certain assets that even though are not being used to buy the home can be listed as reserves and open up more loan program options, or even select the wrong loan type—resulting in delays, higher rates, or even denials.

A quick conversation with a mortgage professional (like me!) can prevent these missteps and ensure everything is done right the first time.

Get Real Answers, Not Generic Ones

Online mortgage applications often rely on automated systems and pre-set algorithms. They can’t account for unique situations, job changes, commission-based income, or other factors that could affect your loan approval.

Talking to a real mortgage expert (me again!) means getting answers specific to your situation—not just a generic response from a chatbot or algorithm.

You Deserve a Trusted Guide

Buying a home is emotional, stressful, and exciting all at once. Why go through it alone? When you work with a mortgage professional directly (I see a pattern forming here), you gain an advocate who is invested in your success, someone who will walk you through every step and answer every question (even the ones you didn’t know to ask).

The Bottom Line

Technology is great, but for something as big as a mortgage, it should enhance the experience—not replace personal guidance. A conversation with someone like me who understands the subtle ins and outs of this process and is on your side, can help you secure the best loan, avoid costly mistakes, and ensure you feel confident in your decisions.

So, before you hit “submit” on that online application, let’s have a quick chat. Whether in person, on a video call, or over the phone, It’ll be time well spent.