If you were turned down for a home loan because of your debt to income ratio, find out if there is anything that you can pay off so that you may qualify in the future. Also, ask your mortgage professional if there may be a different way to structure your loan so that you can consolidate a little debt and lower your debt ratio so that you might be able to qualify that way.

If you were denied a mortgage because of problems with your credit, tyr and find out specifically what the problem was so you can try to correct it. Many mortgage professionals will be happy to schedule a time to review your credit report with you.

Even if you don't qualify for a loan at one lender, you may qualify with another. If you've been denied a loan recently, call me at 718-886-4438 and I may be able to help. If I can't get you approved for a loan now, I'll tell you exactly what you need to do to get approved.

If you were turned down for a home loan because it was property related, there are still things you can do to get you into that home. First determine who has more to gain from the transaction going through. If it is the seller, then thay may be willing to make the necessary repairs, in order for them to sell the home. If you want the home bad enough, then you may need to make the repairs.

If you went to your local bank and they turned you down, it may simply be a case of them not having the program to fit your need.

You will get a "Notice of Credit Denial" in the mail if you are turned down. This will entitle you to a free copy of your credit report. If you were turned down due to something on your credit report, it is wise to take advantage of this free credit report. Check it over carefully to verify the information is accurate. If there's any inaccuracies, you should dispute them right away.