You searched:
“denied mortgage because income too low”
Being told your income is not enough stings, especially when you can afford rent. But lenders calculate income differently than you do, and there are ways to increase your qualifying income without earning more money.
Take a breath. Help is here.
- You are not alone -- thousands of people search this every month
- Real options exist for your specific situation
- No judgment -- just honest guidance from licensed professionals
We've Helped Others in Your Situation
Why This Happens
Understanding the common reasons -- and knowing that each one has a path forward.
- 1Net income used instead of grossSolution exists
- 2Overtime or bonus income not countedSolution exists
- 3Part-time or secondary income excludedSolution exists
- 4Child support or alimony not includedSolution exists
There's Always a Path Forward
Being denied feels overwhelming, but it doesn't mean your homeownership dream is over. Our specialists work with challenging situations every single day.
Your Options Right Now
Include All Income Sources
Overtime (2-year history), bonuses, child support, alimony, rental income, and investment income can all count.
Available nowAdd a Co-Borrower
A spouse, partner, or family member co-borrower adds their income to your qualification.
Available nowFHA Higher DTI Allowance
FHA allows up to 57% DTI with compensating factors, qualifying you with less income than conventional programs.
Available nowTalk to someone right now
No automated menus. A real licensed mortgage professional who understands your situation.
(248) 864-2200Income denied? We may count income others missed.
Start Your Application
Takes about 5 minutes. No obligation. No credit check until you are ready.
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Frequently Asked Questions
W-2 salary, overtime (2-year average), bonuses, commissions, self-employment, child support, alimony, disability, Social Security, rental income, and investment income. All require documentation.
Yes. FHA even allows non-occupant co-borrowers (family members who will not live in the home) to add their income.
Lenders typically require a 2-year history of overtime and average it. If your overtime has been consistent, it adds significantly to your qualifying income.
Income denied? We may count income others missed.
We will reach out at a time that works for you. No pressure, no obligation.