Author · Mortgage education
Ryan Skerritt
Founder, Next Wave Mortgage
NMLS #1170025
About Ryan
Ryan Skerritt founded Next Wave Mortgage with a focus on making mortgage decisions easier to understand. His work combines mortgage lending with leadership of a team serving homebuyers and homeowners.
On AI Denied My Mortgage, Ryan’s guides focus on understanding a lender’s decision, identifying the information that matters, and exploring what could be different in a second review. The goal is to help readers ask better questions before beginning another application.
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Professional details and photograph sourced from Next Wave Mortgage. Licensing and program availability should be confirmed for your state.
Guides by Ryan
AI & automated decisionsAI denied your mortgage? Get the reason behind the decisionMortgage denial helpMortgage denied? Find out why—and what to do next.Options after a denialMortgage options after a denial: what can actually change?Late paymentsMortgage declined due to a late payment? Here’s what to check.High debt-to-income ratioHigh-DTI mortgage lenders: how to find an option that fitsDenied in underwritingMortgage loan denied in underwriting: what to do nextManual underwritingManual underwriting: who it helps and what lenders requireSelf-employed incomeDo mortgage lenders use gross or net self-employed income?Denied after preapprovalMortgage denied after preapproval: find out what changed