As you have read, there is no reason, based on what you have shared.
Now, be aware, there are other issues that have a bearing on the outcome that have not been revealed.. You may find it beneficial to chat with a professional who specializes in finding solutions. If you are needing to buy a home, chat with a real estate professional. They have a team of folks who have specific resources to whom they can direct you for financing with minimal costs, low down payment, jumbo, etc......and have a history of SUCCESS.
Promises won't get you into a house. Those with a proven history of success will. That is the value of a professional.
Best of success to you,
Annette Lawrence, Broker/Associate
Reamx Realtec Group
Palm Harbor, FL