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It may be difficult to qualify for a home mortgage loan. As a buyer, you may find the perfect home, but finding the perfect financing might become elusive. After you complete the application process, your lender may turn you down, which is an upsetting development for any prospective homebuyer. What can be done to remedy such a setback?

The answer depends on why you were turned down. If your income is too low to satisfy one mortgage company, there might be another company with more liberal qualifying guidelines. If you have had credit problems, some lenders may be more willing than others to help you clear them up in a manner that satisfies their underwriters. If your loan runs into problems, sit down with the loan officer and your real estate agent to investigate the possibility of using a different lender. The first company may be able to "assign" the package to a competitor, enabling you to use your same credit report and appraisal. You will need the cooperation of your sellers, too.

While loan rejections are disappointing, they can be resolved.

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Crista McClure-Swan
Realty Executives
911 Hacienda Drive
Vista, CA. 92081
Phone: 760-458-0797
Fax: 760-295-2967
Licence: 01293835
Email: cristamcclureswan@NUMBER1EXPERT.com

Crista McClure-Swan is best known for her commitment to her clients and the personal relationships she establishes with them, as evidenced by the confidence and trust her clients have in her efforts. From first contact through close of escrow, Crista is always available to her clients and goes beyond her call of duty to make sure they have the best buying or selling experience possible. "If you are a buyer, whether it takes 1 day or 1 year to find you the right home, I'm committed to you and your needs and won't rush you. During escrow, I am in daily communication with my clients and take pride in the fact that my clients can feel comfortable calling me for whatever reason." Crista backs her business and technology background and personal approach with proven performance. Crista was among the top 10% producing agents in her office in 2003. Crista has extensive buyer representative experience. Her client testimonials support her performance. As a listing agent, Crista offers extremely competitive pricing without sacrificing the full service clients require.

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