About This Site

In many cases, the problem isn't you -- it's the lender. Not every lender offers every loan. Some just don't work with the kind of situation you have.

It's normal. It happens every day. And it's why Another Lender exists.

This site helps home buyers and refinancing households understand why their loan might've been denied, and shows which lenders offer the kind of mortgage you need.

Because when your first lender can't help, it doesn't mean you're out of options. It just means it's time to try Another Lender.

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

Most borrowers don't realize this, but mortgage lenders add their own rules on top of standard mortgage guidelines. The extra filters they add are called overlays.

Overlays are why your hometown bank might deny your loan but a bank across town might approve it.

For example:

• FHA mortgages allows credit scores as low as 500. Many lenders stop at 580.
• Fannie Mae allows income based on a job offer letter. Many lenders still require a paystub.
• VA loans can be used for manufactured or rural homes, but many lenders won't lend on those properties.

These aren't edge cases, either.

You may be income-qualified. You may have the assets. The deal might make perfect sense. But, for some reason, your lender doesn't offer the specific option you need.

It's like shopping for a recipe. You've got your list and you know what you're looking for, but the supermarket doesn't carry one of the key ingredients. So you head to a different store that does.

Mortgages work the same way.

Sometimes you just need to go somewhere else.

If At First You Don't Succeed, Try Another Lender

I'm Dan Green. I'm 50 years old, and I've been working in mortgages for a long time.

I know that getting denied for a mortgage can feel personal. It delays goals. It creates uncertainty. And it often happens at the worst possible time.

Early in my career, I built a website that reached out to people who were stuck -- real mortgage applicants left behind by a system that prefers simple situations.

When people found me, they asked serious questions:

• "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 told them no. And they were all great borrowers with one thing in common -- their first mortgage lender wouldn't do their loan.

I Don't Originate Mortgages Anymore, But I Still Do the Work

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

I still care about housing. I still believe in homeownership. And I still believe borrowers deserve straight answers.

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

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

Good Borrowers Deserve Good Options

Getting denied doesn't mean you're a bad borrower. And it doesn't mean you'll pay more.

You're still a strong applicant—you just didn't start in the right place.

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

Who This Site Is For

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, who does this loan.

No Pressure. No Nonsense.

There's no rate bait here. No fake preapprovals. No email spam.

Just clear answers from someone who's been on the other side of the desk—and who built a tool to help you move forward.

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.