Clear answers. Accountable guidance.

The people behind the guides

Ryan Skerritt, founder of Next Wave Mortgage (NMLS #1170025), is our author. Phil Ganz, president of Next Wave Mortgage (NMLS #37833), is our reviewer. Each guide links to their professional profiles.

Sources you can check

Our guides cite program guidance and consumer resources, including Fannie Mae, HUD and the Consumer Financial Protection Bureau. When we discuss a lender’s published requirements, we link to that lender’s information. A program maximum is not a promise of approval, and individual lender policies may differ.

How technology fits

AI-assisted tools support drafting, organization and interactive explanations on this site. Those tools do not make lending decisions. A mortgage professional must assess the complete application and the requirements of the specific lender and loan program.

Updates and corrections

The date on a guide identifies its recorded content update. Guidelines and lender offerings can change after that date, so confirm requirements before acting. We aim to correct material errors and distinguish substantive content updates from design changes.

To flag an error, email hello@nextwavemortgage.com with the page link, the passage and a supporting source when available.

Our relationship to Next Wave

AI Denied My Mortgage is backed by Next Wave Mortgage, LLC (NMLS #2536820). A request through our second-opinion form is sent to Next Wave. Our content and calls to action support that service; they are not an independent ranking of every lender.

Measurement and privacy

We use Vercel Web Analytics to understand page visits and aggregate actions such as starting a second opinion or saving a request. Our analytics events exclude form answers, names, email addresses, phone numbers and lead identifiers. See Next Wave’s terms and privacy information for details about information submitted to the mortgage team.