Why Do I Keep Getting Declined for a Mortgage? 🏡❌

Getting turned down for a mortgage can feel frustrating — especially when you don’t know why. But here’s the good news: most mortgage denials come down to just a handful of fixable issues. And once you know what they are, you can take control and finally move toward approval. 💪✨

If you’ve been declined, here are some of the most common reasons:
• Low credit score – Even a small drop can change your eligibility.
• High debt-to-income ratio (DTI) – Lenders need to know you can comfortably handle a new payment.
• Irregular or hard-to-document income – Self-employed? Gig worker? Seasonal income? Lenders might struggle to verify stability.
• Recent credit issues – Late payments, new debt, or collections can cause temporary setbacks.

But here’s the part most people don’t know:
👉 A denial doesn’t mean you can’t get a mortgage. It just means you haven’t found the right program yet.

There are powerful alternative loan options designed specifically for borrowers who don’t fit inside traditional lending boxes, including:
• Portfolio mortgages
• Bank-statement loans (perfect for self-employed buyers)
• Non-QM (non-qualified mortgage) programs

These programs can often approve borrowers that conventional lenders decline. If you're watching this and you're struggling to get approved, drop a comment or DM me. Let’s take a look at what’s going on and find out which loan programs might actually work for your situation. You’re closer than you think. 🙌🏡

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