This can be a common experience when looking to become pre-approved for a home loan. We recommend Churchill Mortgage because they are experienced and willing to serve our fans using the manual underwriting process. We have worked with them for over 30 years and trust that they will serve you as we would.
If you are denied pre-approval or receive a loan 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 able to assess your situation and point you in the right direction.
Ask why you were denied and what you can do to work towards pre-approval so that they can provide you with 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 here to help!