If one mortgage lender denied me, can another lender approve me?

Common reasons Arizona homebuyers are denied

• Credit score or recent credit issues
• Debt-to-income ratio being too high
• Self-employed or non-traditional income
• Not enough documented funds to close
• Bankruptcy or other past credit events
• Property or appraisal issues
• The lender simply not offering the right loan program

What a second look can uncover

Sometimes I can find another solution immediately. Sometimes the best answer is "Not yet — but here's exactly what we need to fix." That second answer is valuable too: it turns a dead end into a plan.

If you've been denied for a mortgage in Phoenix, Scottsdale, Maricopa County or elsewhere in Arizona, get a second or even third opinion before assuming homeownership is off the table. And Realtors: if another lender has turned down your buyer, send me the scenario. I'll dig into the file and look for options.