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[Music] hey guys good afternoon its uh angelo christian financial thank you so much for watching real estate insider our podcast where america goes for funding for the last 20 years commercial and residential lending at its finest call or text me at 832-431-6331 i hear from you if we can help you with mortgage loan funding and today were talking about an important topic uh what is cavers have you ever heard this word hey ive got a cavers hit i cant close on my home loan and what im saying cavers thats c-i-i-v-r-s c-a-i-v-r-s if youre trying to get a home loan and you got stopped from your lender because you got a caver sid im going to show you what it is and how to address it how to fix it so you can actually close on your home loan because if youre out there and youre trying to get an fha loan youre trying to get a va loan youre trying to get a usda loan youre trying to get an sba loan your lender is running through this background check theyre not telling you about it b