As they said below, we really don't have enough information to give you a good answer. For example, interest rates have gone up about 1% in the last month or so. That might have pushed your ratios up beyond the sales price you want. Also, if property taxes and HOA dues are higher than they estimated, again the ratios would be squeezed. If you hadn't provided tax returns for that initial qualification, and you have business expense write-offs, your income would be lowered to account for them. The income you gave them might not have been verified in your paystubs. Perhaps your credit scores declined. These are just a few reasons that I can think of right off the bat. Do get a second opinion with another good local mortgage lender. Avoid the banks because their underwriting overlays might not fit with your situation.
Licensed Mortgage Loan Officer
100% Home Loans ALL Over Texas!