Who this may help
These pages are educational and designed to help you understand potential paths before scheduling a personalized review.
Who this is for
- Borrowers declined by a bank or credit union
- Self-employed clients whose income was considered too complicated
- Investors who need DSCR or commercial solutions
- Clients with jumbo, Non-QM, or alternative documentation needs
Common options
- Self-employed review
- Bank statement options
- DSCR/investor review
- Jumbo review
- Credit challenge review
- Alternative documentation
- Commercial scenarios
Next step
Gather income, property, credit, and objective details. Then request a scenario review so Michael can help identify which available path may fit.
Review My ScenarioBenefits of a second look
Understand why the original lender may have said no
A practical review focused on your objective and documentation.
Review alternative documentation and Non-QM options
A practical review focused on your objective and documentation.
Explore investor, commercial, and DSCR paths
A practical review focused on your objective and documentation.
Create a practical next-step plan
A practical review focused on your objective and documentation.
Common questions
Does a decline mean I cannot qualify anywhere?
Not necessarily. A decline may reflect one lender’s guideline, overlay, or documentation requirement rather than every available path.
What should I do after a mortgage decline?
Gather the decline reason, income documentation, credit report, property details, and any lender conditions so the scenario can be reviewed.
Can a complex file still be approved?
Some complex scenarios may have options, but all loans remain subject to credit, income, property, program, and underwriting approval.
Related loan programs
Request a scenario review.
Share a few details and request a call. Do not include sensitive personal information beyond what is requested.
Michael Ciglar
NMLS #240274
925-998-5478
MCiglar@loandepot.com