Declined Mortgage

Declined by Your Bank? That’s Where We Start.

Why Banks Decline Files?

• Debt ratios too high

• Credit challenges

• Complex income structure

• Property type restrictions

• Insufficient documentation

Our Approach

We assess your complete financial picture and identify lending solutions through alternative lenders, credit unions, and private financing where appropriate.

  • "Their attention to detail and commitment" to quality truly stood out. We’ve already recommended them to others.

    —Former Customer

  • "Creative, reliable, and genuinely passionate about what they do."

    —Former Customer

  • "A professional team that delivers on their promises."

    —Former Customer

  • "Every detail was thoughtfully executed. We're thrilled with the outcome."

    —Former Customer

begin a conversation

Share the basics of the file. A response — including initial lender direction, document requirements, and realistic timing — within one business day.

For active offer files with tight closing windows, call the direct line below for same-day assessment.

DIRECT LINE · PRANAY SEHGAL

(647) 562-4044

psehgal@smcmortgages.com

Mon–Fri 9am–7pm · Sat 10am–4pm · Active files: anytime