1st American Residential LendingMortgage Second Look
Bank Said No?
YOU DESERVEA SECOND LOOK.
If your bank turned down your mortgage, the reason for the decline matters. Some loan problems are hard stops. Others may depend on the lender, program, documentation, or how the file was structured.
Get My Second LookThis is not a mortgage application, a promise of approval, or a commitment to lend.
YOUR BANK ISN'T THE WHOLE MORTGAGE MARKET.
I CAN ACCESS THE MORTGAGE MARKET YOU DON'T SEE.
There is a wholesale mortgage marketplace most homebuyers never see. I'm an independent mortgage broker with access to hundreds of wholesale lenders and loan programs, including programs and guidelines that may not be available through your bank. That's why a NO from one bank doesn't always tell us what the rest of the mortgage market may be able to do.
Starting Point
Bank Said NoOne institution reviewed the file through its available programs and guidelines.
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Second Look
Independent Mortgage BrokerSame situation, broader market review.
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The Mortgage Market You Don't See
Broader program and guideline possibilitiesPossible Program / Guideline Paths
Other approaches may be available depending on eligibility and program guidelines.
Expanded Income Options
- Self-employed
- Alternative documentation
- Asset-based income where eligible
Different DTI & Credit Guidelines
- Different lender guidelines
- Expanded credit profiles
- Different debt-ratio guidelines
More Employment Options
- Job-change scenarios
- 1099 / commission
- Multiple income streams
Asset & Cash Strategies
- Investment / retirement assets
- Assets used where guidelines permit
- Gift funds where permitted