Sadly, this a fairly common experience when looking to become pre-approved for a home loan. Trust us, it's not personal. Sometimes folks request pre-approval for a loan they simply are not ready for, mathematically speaking.
We recommend Churchill because they are experienced and willing to serve our fans using the manual underwriting process. We have worked with them for 30 years and trust that they will serve you how we would want to be served.
If you are denied pre-approval or receive an amount that is less than what you'd hoped, we always recommend first reaching back out to your loan officer. Since they are both licensed and have access to your financial documents, they are better able to assess your situation and point you in the right direction. We recommend asking why you were denied and what you can do to work towards pre-approval. Often they can give you a specific goal to work towards (such as additional payment history or a higher down payment).
If you have any additional questions, our Customer Success team is always here to help! You can reach us by completing this request form.