You’re finally ready to build on your lot in Cagayan de Oro.You’ve talked to a contractor, checked sample house designs, maybe even visited the bank or Pag-IBIG branch. Then the struggle begins: “Ma’am/Sir, kulang pa po kayo ng isang document…”“Pa-resubmit po nito, may discrepancy sa details…”“Iba po ang nasa title at sa ID…” Weeks turn into months—not because your income is too small , but because your documents are not approval-ready . The truth is simple: 👉 Most home loan