• Lack of proper qualification
• No rate hold
• Un-researched team
• Not enough time for subject removal
• Poor product choice
• Over-leveraging
• Buying a vehicle before taking possession
• Can't locate NOA’s
• No mortgage insurance
• Having a poor credit score
• Lack of education
• Didn't save for closing costs
• Skip inspection process
• Choose a restricted rate
• Doesn't maximize first home buyer benefits
• No budget