When Banks can't help,

HouseAble Can!

When traditional mortgages fall short,
we help you find another way forward.

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Even If You’re Not Bankable,

You’re Still HouseAble

Banks may not approve you, but that does not define your ability to become a homeowner.

How Banks See You

A Checklist of Criteria

680+ Credit Score

2 Years Tax Returns

W-2 Employment

43% DTI Ratio Max

Consistent Income History

No Recent Credit Events

How HouseAble Sees You

A Person with Potential

Your Dreams

Your Family

Your Hard Work

Your Stability

Your Future

Your Home

If a bank says you’re “not bankable,” they are not saying you’re irresponsible, incapable, or unworthy of owning a home. They are simply saying you do not fit their narrow lending formula.

At HouseAble, we believe real life is more nuanced than a credit score, a W-2, or a rigid underwriting rule.You may not be bankable. But you are HouseAble.

Why Banks Say NO

and Why that Doesn’t Mean You Can’t Buy a Home

Banks weren't built to understand real life.
They rely on rigid formulas, strict credit thresholds, and one-size-fits-all underwriting rules.

If your income is non-traditional, your credit isn't perfect, or your situation doesn't fit neatly into their system, the answer is often an automatic rejection.

That denial doesn't mean you can't afford a home. It simply means the bank doesn't know how to work with your situation.

COMMON REASONS BANKS DENY BUYERS:

Credit score cutoffs or recent credit events

Debt-to-income ratios that don’t reflect real affordability

Self-employed, 1099, or commission-based income

Job changes or inconsistent income history

Property issues unrelated to your ability to pay

That's exactly why
HouseAble exists!

We Convert “Unqualified”
Home Buyers into Homeowners

When banks label someone “unqualified,” they’re not saying that person can’t own a home.  They’re saying that person doesn’t fit their lending model.

That’s where HouseAble steps in.

When banks say no, we say YES to exploring real alternatives.

YES to understanding your situation.

YES to finding a legitimate path forward that makes sense for you.

We work with buyers who are financially capable but overlooked by traditional underwriting people with non-traditional income, imperfect credit, or life circumstances that don’t fit a bank’s checklist.