Vaccinations and Mortgage Approvals

 In Common Questions

If you have not received a COVID-19 vaccination shot, will that affect your ability to get approved for a mortgage?

Here’s what you need to know.

Americans tend to remain silent if speaking out against a social problem might endanger their income.  We are taught to keep our opinions to ourselves in the workplace.  If a habitual liar becomes our president, most of us allow his supporters to act out their bullying fantasies.  The result is the country we live in now – half of us despising the other half, regardless of which side we silently (or not so silently) align ourselves with.  Many among the silent half are shocked and saddened that the United States has turned into an elementary school playground.  Having been granted permission by our leaders, the bullies physically and verbally torment the silent.  Civility falls by the wayside and progress comes to a standstill.

My suggestion is to disregard the corporate guidance and conventional wisdom that directs us to remain silent.

I don’t think many of us worry at all about contracting smallpox, diphtheria, measles, mumps, paralytic polio, rubella, or tetanus.  The only reason for that lack of fear is we are vaccinated against those diseases.  

Although I remember the students who sat in the back of the room in high school science class, dreading that they would be called upon to answer a question, I had always assumed that those people would eventually mature and realize that there is such a thing as science, and it can be used for good.  Apparently, I was mistaken.  

Rights vs Responsibility

I have remained silent regarding the millions of Americans who believe our government is trying to harm us.  I had a change of heart last week, however, when I read a news story and saw a photo of a local 5-year-old screaming “My body, my choice” through a bullhorn at an anti-vaccine and mask-wearing protest.  That child cannot be blamed for such misguided nonsense.  She was doing as her parent(s) instructed.  Her undeveloped mind couldn’t possibly understand that not getting vaccinated when she is eligible or refusing to wear a mask in school endangers others, as well as herself.  It is not her right to possibly kill others.  Nor is it her parent(s) right to possibly kill others.  It is parental irresponsibility in the extreme.  If you teach your children that it’s acceptable to harm others, you are a lousy parent, plain and simple.  

Discrimination vs Disagreement

All of that said, if you are unvaccinated and come to me for a mortgage (not that I expect you to after reading this), would you be treated any differently than someone who is vaccinated?  

No, you would not be treated any differently, and here’s why.  Discrimination runs rampant in the mortgage industry.  It’s widely known within the mortgage business, and although there are countless federal and state laws prohibiting discrimination, it happens all the time.  However, just as I feel a moral obligation to speak out against vaccine-refusal ignorance, I believe I have a moral obligation to treat all potential clients in a non-discriminatory manner.  I may not like what you have to say about something, but I will treat you fairly, simply because if I don’t, then I am harming others and our country as much as the most strident anti-vaxxer, and that’s something I don’t want to do.

So, if you want to know how easy it is to get a great mortgage, contact us today.  You’ll be glad you did.

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