What Is the Easiest Mortgage Company to Get Approved Through?
If you’re asking this question, you’re probably feeling one of two things.
You’ve been turned down before.
Or you’re worried you might be.
I remember when I first got into lending, I assumed approval was pretty simple. Credit score in. Income in. Debt in. Decision out.
I quickly learned it does not work like that.
There isn’t one “easiest” mortgage company that just approves everyone.
Approval depends much more on your income, credit, debt, and loan type than it does on the name on the building.
Different lenders offer different loan programs. Some are more flexible than others. But no legitimate lender can approve a loan that does not meet basic guidelines.
That said, some situations are absolutely easier to approve than others.
The difference is usually strategy.
What Actually Makes a Mortgage Easier to Get Approved?
In my experience, it usually comes down to three things.
1. The Loan Program
Some loan programs are simply more flexible.
FHA loans allow lower credit scores and higher debt-to-income ratios.
VA loans can be very forgiving if you qualify.
Bank statement loans can help self-employed borrowers who do not show enough income on tax returns.
A lot of times, “easier” just means you are in the right program for your situation.
2. How Your File Is Structured
This is the part most people never see.
Two borrowers with the same credit score can get very different outcomes depending on how their file is presented.
Income calculation.
Documentation.
Debt breakdown.
Compensating factors.
This is where lending becomes that giant word problem I talk about.
Sometimes it is not that you cannot qualify.
It is that the numbers have not been structured correctly yet.
3. Your Documentation
A clean, complete application makes underwriting much smoother.
The most common issues I see are:
Missing income documents
Large unexplained deposits
Job changes during the process
High credit card balances
When those things are handled upfront, approval becomes far more straightforward.
Not necessarily “easy,” but predictable.
And predictable is good.
Be Careful of “Guaranteed Approval” Claims
If you see a lender advertising guaranteed approval regardless of credit or income, that is a red flag 🚩.
Real mortgage approvals are based on federal guidelines and investor rules. No one can get around those.
The goal is not finding the “easiest” lender.
It is finding the right strategy for your specific situation.
So What Should You Do If You’re Worried About Getting Approved?
Start with a real pre-approval. Not just a quick online pre-qualification.
A real pre-approval means:
Your income is reviewed
Your credit is pulled
Your documents are verified
Your debt-to-income ratio is calculated
That gives you clarity instead of a guess.
And sometimes clarity is all you need.
If you are buying in Louisiana and you are unsure where you stand, I am happy to take a look at your situation and tell you honestly what your options are.
Sometimes the answer is yes.
Sometimes it is not yet.
But either way, you will know exactly what needs to happen next.