Bruised credit, income doesn’t qualify, prior bankruptcy, personal tax arrears, foreclosure? I can access several private or semi- private lenders who are still regulated by government policies who can offer short term solutions to get you back on track. Loan to values are reduced based on location, marketability, income, credit score, reason for issue and more so they also apply the interest rate the same way. Every file is treated according to risk. These rates and fees are higher but the ultimate goal of preserving your home or credit far outweigh the costs for almost everyone. I will continue to work with you on an exit strategy to get back to other solutions, and these terms are normally no longer than 12 months at a time.