Who reviews a denied mortgage application in San Antonio?
Sarah Baraz (NMLS #1859224), a San Antonio mortgage loan officer with CMG Home Loans, reviews files that another lender declined, especially self-employed income, 1099 and overtime income, high debt-to-income ratios and late-stage document problems. She recalculates the file from the original documents, explains why it was declined, and shows whether a different program, structure or timeline could work.
Common reasons a mortgage gets denied
- Self-employed or 1099 income calculated lower than it should be, or counted like a salary when it is not.
- Debt-to-income ratio too high for the program chosen, sometimes because of student loan payment rules.
- Not enough history for overtime, bonus or commission income.
- New documents requested after the contract, such as a newly filed tax return that changes the income.
- Credit not reviewed before the preapproval was issued.
How a second review works
1. Read the denial. The reason on the denial letter or from the first lender is the starting point.
2. Recalculate from the documents. Income and debts are calculated again from the original paperwork, the way an underwriter would.
3. Compare routes. The file is checked against other programs, such as FHA instead of Conventional, a bank statement loan for a self-employed borrower, or waiting a few months for income history to season.
4. Give a straight answer. Sometimes the honest answer is that the file is not ready yet, with a clear list of what needs to change.
Real examples from Sarah's files
About Sarah Baraz
- Sarah Baraz is a Mortgage Loan Officer with CMG Home Loans, NMLS #1859224 (CMG Home Loans NMLS #1820, branch NMLS #1248626).
- She has worked in mortgage lending since 2019 and holds a B.S. in Business Finance.
- Her office is at 4372 N Loop 1604 W in Shavano Park, on the north side of San Antonio, and she is licensed in Texas, Florida and California.
- Consultations are available in English and Arabic.
- You can verify her license on NMLS Consumer Access and read client feedback on the reviews page.
More detail: complex mortgage and loan rescue and what to do after a mortgage denial.
Frequently asked questions
Can I apply with another lender after being denied?
Yes. A denial from one lender does not stop you from applying elsewhere. It helps to understand the reason first so the same problem is not repeated.
Will another credit check hurt my score after a denial?
Mortgage credit checks within a short shopping window are generally treated as a single inquiry by common scoring models, but the effect varies. Ask before your credit is pulled.
Can a loan be saved if I am already under contract?
Sometimes, if the problem can be solved within the contract timeline. Contact a second lender as soon as the issue comes up, not after the closing date passes.
Told no by another lender?
Send Sarah the reason you were given and how you earn your income. She will tell you honestly whether there is a path.
Send Sarah Your Scenario Call (619) 254-4067