You might have great credit and a fantastic FICO score… Guess what… You could still have roadblocks when you work with a big bank or inexperienced loan officer. There are a ton of underwriting guidelines that must be met for typical conventional loans. Below are 50 ways your loan can be denied: Trying to buy too much house Debt To Income ratio maximums exceeded Credit score too low Not enough Income Inability to document income Using rental income to qualify Past delinquencies Past foreclosure, (4 comments)