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67% DTI VA purchase (this one had some hair on it)

Feb 20, 2026

67% DTI VA purchase (this one had some hair on it)

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100K HELOC approved in 3 days (recent self-employment, spouse credit issue)

Feb 13, 2026

100K HELOC approved in 3 days (recent self-employment, spouse credit issue)

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HELOC denied (no scores) - Closed with reverse mortgage

Feb 6, 2026

HELOC denied (no scores) - Closed with reverse mortgage

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Compensating Factors Git-R-Done

Jan 30, 2026

Compensating Factors Git-R-Done

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MFG Home, 1st Time Buyer

Jan 23, 2026

MFG Home, 1st Time Buyer

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DPA with household restructure

Jan 16, 2026

DPA with household restructure

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Outside the Box - $490K HELOC Approved

Jan 9, 2026

Outside the Box - $490K HELOC Approved

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Two real constraints. One viable solution.

Dec 19, 2025

Two real constraints. One viable solution.

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Three reasons this deal should have died

Dec 15, 2025

Three reasons this deal should have died

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About Second-Look Brief

Second-Look Brief is a weekly newsletter for mortgage and banking professionals. It explores real files where an internal approval wasn’t possible but a path was made available with a responsible second look.

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Second-Look Brief is an educational resource provided by Adrian Tavolacci, NMLS 201164. Programs, guidelines, rates, terms, and availability are subject to change and vary by borrower and property. Nothing herein should be construed as a credit decision, underwriting determination, or commitment to lend. Equal Housing Opportunity.

Mortgage lending services provided by Mutual of Omaha Mortgage, NMLS 1025894
211 N Beech St., Bellaire, MI 49615

© 2026 Second-Look Brief, All Rights Reserved. Lending Services Provided by Adrian Tavolacci NMLS 201164 with Mutual of Omaha Mortgage NMLS 1025894 Equal Housing Lender.
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