Clients with fluctuating work hours and inconsistent weekly schedules often face difficulties in qualifying for a mortgage. Lenders require stable and predictable income, and the variability in earnings can make it challenging for loan officers to demonstrate the client's ability to meet monthly mortgage payments consistently, thereby derailing the approval process..

Large or irregular deposits in a client’s bank account that cannot be properly documented, often raise red flags during the underwriting process. These unexplained funds can lead to loan denials or delays, as lenders require clear proof of legitimate sources of income, making it challenging for loan officers to proceed with the transaction.

Insufficient reserves due to a cash to close shortage often hinder loan approval, as borrowers may not have enough funds to meet the required down payment and closing costs. This financial gap can delay or derail the transaction, making it difficult for loan officers to secure the necessary funding to complete the deal.