Been told no
Another set of eyes.
Starting with the reason.
A decline from one lender does not necessarily mean every financing structure has been exhausted. It also does not mean another lender will approve it. Start with what happened.
01 / What was declined?
The loan request, the property, the documentation and the lender’s stated reason. The wording matters.
02 / What might differ?
The lender’s guidelines, available product types or how income and the property are evaluated.
03 / What should happen next?
Shawn can look at the structure, identify what needs clarification and discuss whether another approach is worth pursuing.
A real example. Not a promise.
The rate they
didn’t want to lose.
In this clip, Shawn describes arranging a HELOC for a borrower with a 2.75% first mortgage after other lenders had declined the request. The historical scenario illustrates why product access can matter.
He also describes turning away files earlier in his career because his retail employer had fewer products. That changed the way he approaches an unfamiliar situation.
Shawn’s account of one transaction is not a guarantee of approval or evidence that every declined borrower has another option.
Read the transcript
Tell Shawn what happened.
You can begin with a short explanation. Do not send Social Security numbers, account statements or other sensitive documents through the initial contact form. If a document review is needed, use an appropriate secure channel after speaking.
Different files need
different comparisons.
Self-employed income, investment properties, construction, unusual property types or a mismatch between the request and the first lender’s product shelf may warrant a closer look. No selection here establishes eligibility.
Ready to talk?
Let’s find the right path forward.
Borrower or loan officer — it starts with a conversation.