Tool 3

Banks Said No. Now What.

A bank rejection is not a dead end. Tell me why you were turned down and I'll show you realistic paths — or an honest timeline to qualify.

V1 static · LLM-driven personalized pathway analysis coming in V1.1

Common rejection reasons

Debt-to-income too high

Credit score too low

Self-employed income hard to document

Not enough down payment

Property type ineligible

Recent job change

Creative finance paths

Seller Financing

30–60 days to close

Best for: High DTI · Low credit

Seller holds the note. Terms are negotiated directly — rate, amortization, balloon. No lender, no FICO floor.

Assumable Mortgage

45–90 days (lender approval)

Best for: Good credit · Limited down payment

Step into an existing FHA/VA loan at the original rate. Market rate at close is irrelevant.

Lease-Option

12–24 months to close

Best for: Credit building · Needs time

Rent now, buy later. Lock the price today, close in 12–24 months when you qualify conventionally.

Full tool: coming V1.1

LLM-driven intake: you describe your situation → pydantic-graph state machine → personalized path match + readiness roadmap with real timeline. Dodd-Frank disclaimer: educational only. Consult a licensed attorney before structuring any creative finance transaction.

← Back home