Your Debt Isn’t the Problem. It’s the Setup That’s Tripping You Up.

A few weeks ago, I sat down with a client making $120,000 a year — a solid income by most standards. On paper, everything looked promising. So why was he getting denied every time he applied for a mortgage?

Every lender told him the same thing:
“Your debt is too high.”

Let’s break it down.

His monthly obligations looked like this:

🚗 $1,500 in car loans
💳 $800 in credit card payments
🤝 $300 in personal loans
That’s $2,600 a month in debt payments.

The issue wasn’t his income — it was how his debt was structured. All those stacked payments were pushing his debt-to-income ratio (DTI) well beyond acceptable limits for a mortgage.

So what did we do?
We didn’t tell him to go out and pay off $50,000 in debt. (Because let’s be real — who just has that kind of money lying around?)

Instead, we found a smarter path forward:

✅ Debt Consolidation.

By consolidating all his loans and high-interest credit card balances into a single, lower monthly payment, we cut his total debt payment nearly in half.

That freed up over $1,400 a month, bringing his DTI down to a level that qualified him for a mortgage — and not just any mortgage, but one with better terms and more homebuying power.

The result?
He went from hearing “no”…
To getting preapproved for more home at better terms.

And the best part? He didn’t need to win the lottery or wait for some distant “someday.” He just needed a new strategy.

The truth is:
It’s not always how much debt you have — it’s how that debt is set up.

So if you’ve been getting stuck with the same rejection over and over, don’t give up. There’s often a creative way forward — and we’re here to help you find it.

Let’s make homeownership work for you, not just your credit report.