{"id":5588,"date":"2016-05-20T23:33:41","date_gmt":"2016-05-20T23:33:41","guid":{"rendered":"https:\/\/www.movoto.com\/foundation\/?p=5588"},"modified":"2016-05-20T23:33:41","modified_gmt":"2016-05-20T23:33:41","slug":"ultimate-homebuyers-guide-rejected-mortgage","status":"publish","type":"post","link":"https:\/\/www.movoto.com\/blog\/ultimate-homebuyers-guide-rejected-mortgage\/","title":{"rendered":"If You&#8217;re Rejected for a Mortgage"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5703 size-full\" src=\"https:\/\/www.movoto.com\/foundation\/wp-content\/uploads\/2016\/05\/Rejected-Mortgage_banner.jpg\" alt=\"Rejected-Mortgage_banner\" width=\"600\" height=\"125\" \/><\/p>\n<p><a href=\" https:\/\/www.movoto.com\/foundation\/basics\/ultimate-homebuyers-guide-budgeting-mortgages\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-5396 size-full\" src=\"https:\/\/www.movoto.com\/foundation\/wp-content\/uploads\/2016\/05\/Budgeting_thumb_2.jpg\" alt=\"Budgeting_thumb_2\" width=\"300\" height=\"250\" \/><\/a>If you\u2019re application is rejected, don\u2019t panic. There are many reasons you get rejected for a conforming mortgage:<\/p>\n<ul>\n<li><b>Debt-to-income (DTI) ratio is too high &#8211;<\/b> The bank will look at your monthly income in relation to all your monthly debt payments. If your debt\u2014including car payments, mortgage payments, credit card debt, and any others\u2014amounts to more than 45 percent of your pre-tax income, you won\u2019t qualify for a conforming loan.<\/li>\n<li><b>Loan-to-Value (LTV) ratio is too high &#8211;<\/b> The LTV is the percentage of the property\u2019s total price that you\u2019re borrowing. So, if you\u2019re financing $180,000 on a house that costs $200,000, your LTV would be 90%. Usually, if you don\u2019t have enough money to put down at least 10% of the price, the LTV will be too high and your loan can be rejected.<\/li>\n<li><b>Credit Score too low &#8211;<\/b> Currently, the minimum credit score for an FHA loan is 580 (500 if you can put 10 percent down). Most conforming loans require a minimum score of 620 and 3 percent down. It\u2019s possible for a higher credit score to get rejected as well depending on the amount you\u2019re borrowing and how much you\u2019re putting down.<\/li>\n<li><b>Missing or incorrect documents &#8211;<\/b> If you can\u2019t provide all the necessary documentation or some of your documents can\u2019t be verified, you will most likely get rejected for a conforming loan.<\/li>\n<li><b>Bankruptcy &#8211;<\/b> If you declared bankruptcy within the last two years, you won\u2019t be able to get a conforming loan.<\/li>\n<\/ul>\n<h3>What to Do if You\u2019re Rejected<\/h3>\n<p>A formal application will get a formal rejection letter that explains exactly why you were rejected. You can talk to your agent or mortgage broker about how to proceed. Different lenders have different requirements\u2014smaller, local banks usually have less stringent requirements\u2014so it\u2019s worth reapplying with another bank. However, be aware that another application 30 days later can ding your credit score (although only by about five points).<\/p>\n<p>There are other options to explore as well. You might qualify for non-conforming loans based on your income, you might be able to co-sign a loan with a family member, or see if you qualify for a loan at a different rate. Some options to consider:<\/p>\n<ul>\n<li><b>Apply for a non-conforming loan &#8211;<\/b> Consider applying for an FHA loan or, if you qualify, VA or USDA loan. Subprime mortgages should be a last option.<\/li>\n<li><b>Apply for a different type loan &#8211; <\/b>It\u2019s possible to qualify for a different type of loan (higher interest rate, adjustable-rate, longer term) if you are rejected for the loan you initially applied for.<\/li>\n<li><b>Lower loan amount &#8211; <\/b>If possible, try to borrow less. Save or cash in stock to get more money for the down payment and borrow less than you initially applied for.<\/li>\n<li>Hit a new credit score benchmark &#8211; If you\u2019re close to hitting a new qualifying tier with your credit score, paying off or paying down certain debt, such as credit cards, will boost your credit score.<\/li>\n<li><b>Try other lenders &#8211; <\/b>Other lenders have different underwriting policies. For instance, smaller credit unions or local banks may be more lenient with their requirements if you\u2019re a member.<\/li>\n<li><b>Co-apply with a family member or spouse &#8211;<\/b> Applying jointly with a spouse or family member (someone you trust completely) means combining your assets and income (as well as debt, so make sure they\u2019re in good standing). The boost in assets could reduce your DTI enough to get approved.<\/li>\n<\/ul>\n<table style=\"width: 100%; border-spacing: 5px;\">\n<tbody>\n<tr>\n<td style=\"width: 50%;\"><a href=\"https:\/\/www.movoto.com\/foundation\/basics\/ultimate-homebuyers-guide-mortgage-payments\"><span style=\"text-align: left; font-size: 11pt;\">&lt;&lt; PREVIOUS CHAPTER: Breaking Down Your Mortgage Payments<\/span><\/a><\/td>\n<td style=\"width: 50%; text-align: right;\"><a href=\"https:\/\/www.movoto.com\/foundation\/basics\/ultimate-homebuyers-guide-mortgage-rejection\"><span style=\"text-align: right; font-size: 11pt;\">NEXT CHAPTER: What Happens When Your Loan Is Sold? &gt;&gt;<\/span><\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><a href=\"https:\/\/www.movoto.com\/foundation\/basics\/ultimate-homebuyers-guide\/\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5426 size-full\" src=\"https:\/\/www.movoto.com\/foundation\/wp-content\/uploads\/2016\/05\/Hombeuyers-Guide_button.jpg\" alt=\"Hombeuyers-Guide_button\" width=\"334\" height=\"48\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019re application is rejected, don\u2019t panic. There are many reasons you get rejected for a conforming mortgage: Debt-to-income (DTI) ratio is too high &#8211; The bank will look at your monthly income in relation to all your monthly debt payments. If your debt\u2014including car payments, mortgage payments, credit card debt, and any others\u2014amounts to more than 45 percent of your pre-tax income, you won\u2019t qualify for a conforming loan. Loan-to-Value (LTV) ratio is too high &#8211; The LTV is the percentage of the property\u2019s total price that you\u2019re borrowing. So, if you\u2019re financing $180,000 on a house that costs [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[167,260],"tags":[],"class_list":["post-5588","post","type-post","status-publish","format-standard","hentry","category-basics","category-buyer","post--single"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>If You&#039;re Rejected for a Mortgage<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.movoto.com\/blog\/ultimate-homebuyers-guide-rejected-mortgage\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"If You&#039;re Rejected for a Mortgage\" \/>\n<meta property=\"og:description\" content=\"If you\u2019re application is rejected, don\u2019t panic. There are many reasons you get rejected for a conforming mortgage: Debt-to-income (DTI) ratio is too high &#8211; The bank will look at your monthly income in relation to all your monthly debt payments. If your debt\u2014including car payments, mortgage payments, credit card debt, and any others\u2014amounts to more than 45 percent of your pre-tax income, you won\u2019t qualify for a conforming loan. Loan-to-Value (LTV) ratio is too high &#8211; The LTV is the percentage of the property\u2019s total price that you\u2019re borrowing. So, if you\u2019re financing $180,000 on a house that costs [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.movoto.com\/blog\/ultimate-homebuyers-guide-rejected-mortgage\/\" \/>\n<meta property=\"og:site_name\" content=\"Movoto Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/MovotoRealEstate\/\" \/>\n<meta property=\"article:published_time\" content=\"2016-05-20T23:33:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.movoto.com\/foundation\/wp-content\/uploads\/2016\/05\/Rejected-Mortgage_banner.jpg\" \/>\n<meta name=\"author\" content=\"Movoto Editorial Team\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@movoto\" \/>\n<meta name=\"twitter:site\" content=\"@movoto\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Movoto Editorial Team\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. 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