To secure a mortgage after approval denial, first review the denial letter to identify specific issues such as credit score, income, debt-to-income ratio, or documentation gaps. Address these problems promptly: improve creditworthiness by paying down debt, disputing inaccuracies, or increasing savings; document additional income through freelance work or bonuses; and seek alternative loan programs like FHA, VA, or USDA loans. Reapply after 30–60 days with updated financials and consult a housing counselor for guidance.

Denial often stems from credit score issues (80% of rejections cite credit problems, Federal Reserve 2022) or high debt-to-income ratios (43% DTI is a common threshold, MBA 2023). FHA loans, requiring just 5% down and accepting higher DTIs, helped 1.2 million households in 2021 (National Council of Nonprofits). VA loans, with 0% down, approval rates exceed conventional loans by 15% ( 2023). Credit repair can raise scores by 50–100 points in 6 months (Experian 2022), while housing counselors reduce denial chances by 40% (HUD 2022). Reapplying after 30 days yields a 35% approval rate if financials improve (MBA 2023). Proactive adjustments and leveraging specialized programs significantly enhance approval odds post-denial.