When Your Bank Says No,
Try Another Lender.

The Another Lender Story

Why Your Bank Might Say No (Even When the Loan Should Be Approved)

A lot of people are surprised to learn that every lender has their own extra rules. Sometimes, these rules have nothing to do with you or your finances—they're just the way that particular bank does things. You might be a great borrower, but if your bank doesn't offer the right program, you're out of luck.

Here are some real examples:

• FHA loans: The official rules say you can qualify with a credit score as low as 500. But many banks set their own minimum at 580, so they'll say no even if you technically qualify.
• Fannie Mae loans: They allow you to use a job offer letter as proof of income. But some lenders still require you to show a paystub, even if the rules don't.
• VA loans: These can be used for manufactured or rural homes, but lots of lenders simply won't do those types of properties.

These aren't rare exceptions—they happen all the time.

You might have the income, the assets, and a deal that makes perfect sense. But if your lender doesn't offer the specific option you need, you'll get turned down.

It's a lot like shopping for a recipe. You know exactly what you need, but your local store doesn't carry one of the ingredients. So you go to a different store that does.

Mortgages work the same way. Sometimes, you just need to go somewhere else to get what you need.

Why I Built This Site

I'm Dan Green. I've spent over 20 years in mortgages, and I've seen thousands of good borrowers get turned away for reasons that had nothing to do with their ability to own a home.

Getting denied for a mortgage can feel personal. It's discouraging, especially when you're already stressed about buying a home. I've spent years helping people in exactly that situation—people who just needed someone to look at their case differently.

Early in my career, I built a website to help people who were stuck. These were real mortgage applicants who had been left behind by a system that only likes simple, straightforward cases.

When people found me, they asked questions like:

• "Why was my loan denied?"
• "How do I get a bank statement loan?"
• "Can I get a construction loan if my house is still being built?"

I helped my clients buy homes after their first lender said no. They were all great borrowers with one thing in common—their first mortgage lender wouldn't do their loan.

A few years ago, I stopped working with customers directly. Now I build industry software that lowers mortgage rates and makes homeownership more affordable for everyone.

But I still care about housing, and I still believe in homeownership. I built this site because I know how hard it is to find a lender who understands special circumstances—and because I want you to have a place to start when the usual options don't work.

That's why I created Another Lender. It's a resource that explains why your mortgage application might have been denied, helps you understand what to do next, and shows you which lenders actually do these loans.

This site uses my experience in mortgages, education, and software to make sure the mortgage help people are looking for is still out there, and that the path to homeownership doesn't dead-end at "no."

Why Your Bank Says No (Even Though You're A Good Borrower)

A lot of people are surprised to learn that every lender has their own extra rules. Sometimes, these rules have nothing to do with you or your finances—they're just the way that particular bank does things. You might be a great borrower, but if your bank doesn't offer the right program, you're out of luck.

Here are some real examples:

• FHA loans: The official rules say you can qualify with a credit score as low as 500. But many banks set their own minimum at 580, so they'll say no even if you technically qualify.
• Fannie Mae loans: They allow you to use a job offer letter as proof of income. But some lenders still require you to show a paystub, even if the rules don't.
• VA loans: These can be used for manufactured or rural homes, but lots of lenders simply won't do those types of properties.

These aren't rare exceptions—they happen all the time.

You might have the income, the assets, and a deal that makes perfect sense. But if your lender doesn't offer the specific option you need, you'll get turned down.

It's a lot like shopping for a recipe. You know exactly what you need, but your local store doesn't carry one of the ingredients. So you go to a different store that does.

Mortgages work the same way. Sometimes, you just need to go somewhere else to get what you need.

Meet Dan Green

I've spent more than 20 years helping over a million people find their way to homeownership—often after they were told it wasn't possible. I built Another Lender because I believe every qualified borrower deserves a path forward, and because I know how frustrating it is to be left behind by a system that prefers simple situations. If you're here, you're not alone—and you're not out of options.

— Dan Green

Why I Built This Site

I'm Dan Green. I've spent over 20 years in mortgages, and I've seen thousands of good borrowers get turned away for reasons that had nothing to do with their ability to own a home.

Getting denied for a mortgage can feel personal. It's discouraging, especially when you're already stressed about buying a home. I've spent years helping people in exactly that situation—people who just needed someone to look at their case differently.

Early in my career, I built a website to help people who were stuck. These were real mortgage applicants who had been left behind by a system that only likes simple, straightforward cases.

When people found me, they asked questions like:

• "Why was my loan denied?"
• "How do I get a bank statement loan?"
• "Can I get a construction loan if my house is still being built?"

I helped my clients buy homes after their first lender said no. They were all great borrowers with one thing in common—their first mortgage lender wouldn't do their loan.

A few years ago, I stopped working with customers directly. Now I build industry software that lowers mortgage rates and makes homeownership more affordable for everyone.

But I still care about housing, and I still believe in homeownership. I built this site because I know how hard it is to find a lender who understands special circumstances—and because I want you to have a place to start when the usual options don't work.

That's why I created Another Lender. It's a resource that explains why your mortgage application might have been denied, helps you understand what to do next, and shows you which lenders actually do these loans.

This site uses my experience in mortgages, education, and software to make sure the mortgage help people are looking for is still out there, and that the path to homeownership doesn't dead-end at "no."

Who We Help

We're here to solve a problem that affects both borrowers and lenders.

For borrowers: If you've ever been told "no" by a bank or felt like your situation was too complicated for a traditional lender, you're in the right place. We help self-employed borrowers, people with non-traditional income, those with unique properties, and anyone who's been denied for reasons that don't reflect their true ability to own a home.

For lenders: We also help specialized lenders who have great loan products but struggle to find the borrowers who need them. These lenders offer programs for non-traditional situations, but they can't always reach the people who would benefit most.

If your lender told you:

• "We can't use that income."
• "Your credit score is too low."
• "This property doesn't qualify."
• "Come back in six months."

…this site is for you. We'll help you understand what happened—and more importantly, connect you with the lenders who actually do these loans. We're building a bridge between qualified borrowers and the lenders who can help them. Everyone wins when the right borrower finds the right lender.

How We Work

We provide as much accurate information about loan programs as we can, so you can review everything on your own schedule. You'll find detailed explanations of requirements, rates, and processes—all written in plain language you can understand.

When you're ready to take the next step, we provide contact information for the lenders who offer these programs. You're always in control of what happens next. No pressure, no rush, no obligation.

No Pressure. No Nonsense.

We don't originate loans, sell your data, or make empty promises. Our mission is to give you honest, expert guidance and connect you with lenders who offer real solutions. We believe in transparency, clear language, and a no-pressure approach.

There's no rate bait here. No fake preapprovals. No email spam. Just honest information from someone who's been on the other side of the desk—and who knows how the system works.

If your first lender couldn't help, that doesn't mean your deal is dead. There's almost always another way forward.

Let's find it.

Transparency & Editorial Standards

All information on this site is reviewed by mortgage experts and updated regularly to reflect changes in guidelines, programs, and the market. We do not accept payment for placement or recommendations. Our goal is to provide the most accurate, unbiased, and helpful information possible—so you can make confident decisions about your future.

Real Stories from Real Borrowers

See how we've helped borrowers who were previously denied find their path to homeownership

Frequently Asked Questions

Good Borrowers Deserve Good Options

Getting denied doesn't mean you're a bad borrower. It just means you haven't found the right match yet. There's no shame in needing a different path.

This site helps you course-correct. No shame. No pressure. Just a better match.