I agree with the fact that you should definitely be working with one Realtor. As far as the mortgage broker/ lender comments...It is very difficult to get financing these days, no matter what you do..The banks and brokers seem to find whatever reason to NOT lend money and it makes it almost impossible to purchase a home..A good Realtor will work with you to find you a GOOD lender. Let the Realtor WORK FOR YOU! Don't get discouraged. SOMEONE WILL DO THE FINANCING FOR YOU! BELIEVE ME!
Sincerely,
Tracey Gonzalez
Duckworth Properties
traceylynnrealtor@yahoo.com

We have a home at the moment. We have lived here 15 years. We are willing to sell, rent, or lease the house. Whatever is satisfactory. My husband has paid the majority of the bills, and we live pretty good. Reasons we have been told no: Your debt to income ratio, your credit score needs to be higher, you already own a house, you had one late mortgage payment (this year only) and just too many reasons to name. It seems that the foreclosures that others are experiencing are hurting those who are doing fine. No one has perfect credit. We can't rent or sell the house we are in without closing on another house because we have children and pets. We are not flippant people by any means. It's just that when we tried to fix something and the bank still said no, we moved on. If we fix what was required, the bank found something else to feel squeemish about. So, we just move on in hopes to get someone who is not going to keep find some inane reason to refuse us. I think a mortgage broker sounds great. Thanks for the suggestions. I truly appreciate it.

I suggest working with one Realtor and one mortgage banker through the entire process, It appears you are putting feelers out with several bankers and have not committed to one. A Realtor can also work with you and your lender in case you need a couple of transactions which it appears you do. You may need to sell or rent your current home to qualify for your next. Find a good realtor and loan officer in your area and work together with them through all the processes and transactions needed. While its good to shop around when you are ready you need to make some choices and stick with your choices.

You need a better understanding of why they're turning you down. There shouldn't be "conflicting reasons," although there may be multiple reasons.

I'd suggest you use a good mortgage broker, rather than going directly to a lender. A broker can look at your credit and credit history and identify the reasons you're being turned down. The broker will also have a wider array of programs to choose from and will know which ones are less likely to reject you for whatever weaknesses you have in your credit.

I'm uncertain what you mean when you say you're "willing to sell, rent, or lease." If you're buying a property, then where does selling come into the picture? (Unless you already have a home, and the payments on the mortgage are affecting your debt-to-income ratio.) And if you're willing to rent or lease a new home, then that's entirely different from buying. If you mean you're willing to rent or lease an existing home then the issue is whether you can get enough income from that so that your debt-to-income ratio is still acceptable.