When you were a kid, I’m sure you can remember those times when you pretended to be someone else and spent countless hours prank calling your neighbors while laughing uncontrollably.

Most likely you played some of those classic ice-breaker games too, such as Never Have I Ever or I Packed My Suitcase With or Scavenger Hunt.

In fact, I bet that most of you also put in a bit of effort trying to work on your gaming skills through Truth or Dare and Spin the Turkey as well.

However, regardless of your choice, the games of today are much different than what they were decades ago.

As an example, before online gambling took over the world, you had to be a creative story telling machine to be a successful game player. Today, though, it’s awfully hard to deliver a narrative to a screen that you stare into for hours on end.

But that’s why Thanksgiving is timeless. It doesn’t matter who you are or where you work or what mobile device you have, there always seems to be an opportunity on this holiday to spin your best tale in front of a live audience of family members and friends.

Therefore, whether you are serving up a slice of true apple pie or just an old pumpkin lie, your boundaries are endless on this day of the year.

Unfortunately, it seems like these same games from decades past that have taught so many of us how to be innovative and resourceful, might have come with some unintended consequences.

All too often during your home loan process, the battle between fact and fiction needs to play out before your lender can issue their underwriting decision.

Consequently, your entire approval process becomes more or less a quest for the truth by your lender. Since we have grown into conditioned game players, it’s critical that we are all able to still do the right thing, at the right time, the right way and not cut corners.

For that reason, it’s a challenging test for everyone involved to preserve the integrity of the system.

For instance, blurting out during the Thanksgiving dinner table that the mashed potatoes taste like a cardboard box is just mean.

Being vague with your lender about your occupancy plans for your new home in an attempt to get a lower rate or sharing with your lender that you are married although not disclosing that you have divorce papers waiting in the wings is fraudulent.

But if you are the government, to continuously release monthly employment performance reports that don’t really ever add up yet coincidentally have the biggest impact on interest rates is rather concerning.

Lastly, being truthful with yourself and with others is always a good idea, especially during the holiday shopping season. It’s an opportunity to set a realistic budget to keep you from overspending, to start putting together your success plan for next year and more importantly to eat a ton of apple pie.

Chris Salese can be reached at chris@delsurmortgage.com or (707) 363-4439. He is a licensed California mortgage banker (NMLS 254469/1850 CA BRE 01377933/01215943) and equal housing lender.


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