Start with the decision
Bring the denial or adverse-action notice, outstanding conditions, and any explanation provided by the first lender.
Getting Started
Turned down in underwriting? Get a second look.
A denial may reflect a specific guideline, calculation, property issue, or loan structure. Sometimes a different responsible approach works. Sometimes it does not. Either way, the real reason deserves a review.
Review the structure
Program choice, occupancy, income calculation, debts, assets, down payment, property eligibility, and documentation all shape the result.
Bring the full file
Include income documents, asset statements, credit information, contract, appraisal or property details, and the Loan Estimate when available.
No false promises
I will explain whether another program or structure may solve the problem, what would need to change, or why more time is the honest answer.
Written by Marta Lillard
25+ years of mortgage experience, explained in plain English.
Mortgage Broker · First Coast Mortgage Funding · NMLS #879436 · Licensed in Florida and Georgia
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