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  The holidays are upon us once again! We're so excited to be spending a cozy Thanksgiving with our family this year. For those who are visiting friends and family for the holiday, allow me to offer a refresher in  Southwest Florida Holiday Dinner Etiquette . Please review this guide carefully - it will help you make the most of your time with us. Or, if you're a seasoned Floridian, tell me what I've missed. I’d love your feedback! Dress Appropriately for the Occasion Labor Day has come and gone, so be sure your flip-flops and sandals are a suitable fall color such as yellow, orange, or brown. If you have a holiday sweater, feel free to throw it on over your swimsuit. Bring along a t-shirt as well, though; you'll want something more comfortable when the temperature reaches the high 70s. Finally, festive sunglasses must be Thanksgiving themed. Save the Christmas themed beach gear for December! Be a Welcome and Welcoming Guest Guests should never arrive empty handed. Cons...

But I Was Pre-Approved! Preview Text: Pre-Approval is not the final word in securing a loan. Learn how you can avoid having your loan application denied by underwriters. Is Your Loan Application at Risk of Being Denied? You’ve been Pre-Approved for a mortgage. You're basically done, right? Not quite. Your loan goes to an Underwriter next -  where the final decision is truly made. There may still be reasons why the underwriter would deny the loan. Let's talk about them! Bottom Line There is no substitute for an experienced lender who lives, works, and plays in our community. As an active and successful real estate professional, I’ve been able to develop strong relationships with well-respected mortgage lenders in SW Florida. If you're shopping for a home, or planning to refinance your current home, I'd be pleased to introduce you to Tim Hart with VanDyk Mortgage. When you meet Tim, you'll instantly know you're in good hands. You have my word. Want ...