Why You May Not Have Been Matched With a Lending Partner

Why You May Not Have Been Matched With a Lending Partner

At HouseAmp, our goal is to connect every homeowner with the right financing option for their unique situation. Sometimes, based on the information you provide during the pre-qualification process, our system may not find a match with one of our lending partners right away.

Below are some of the most common reasons this can happen,  along with next steps you can take to move forward.

Property Ownership
Property Type or Location
Credit Profile
Equity or Loan-to-Value
Mismatched Information
Ownership Type
Property Ownership

Lenders typically require that the property has been owned by the current owner for a minimum amount of time (usually 2 years).

  • If your property was recently transferred into a trust, inherited, or added to a new title, that update might look like a change in ownership.

  • These cases can often be reviewed manually - reach out to our Client Services Team and we’ll help verify your situation.


Property Type or Location

Each lender has guidelines for the types of homes and locations they can finance.

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You may not receive a match if your property is:

  • A multi-unit, manufactured, or mobile home

  • Located in a state or region not currently supported by one of our lending partners

  • Considered an investment or rental property instead of a primary or secondary residence


Credit Profile

Our pre-qualification includes a soft credit check (which does not affect your score).

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You might not be matched if:

  • Your credit score is below the minimum threshold set by our lenders

  • There is a credit freeze on your report that prevents the system from retrieving your score

  • You have recent major credit events (like bankruptcy, foreclosure, or high debt-to-income ratios)


If your credit is frozen, you can temporarily unfreeze it and try again - Learn how to unfreeze your credit here.


Equity or Loan-to-Value

Some lenders require a certain amount of equity in your home to qualify.

If your mortgage balance is high compared to your home’s value, or if your home’s estimated value is below $250,000, it may limit your eligibility for certain loan programs.


Mismatched Information

Sometimes, the issue is simply missing or conflicting data.

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For example:

  • The address doesn’t match public records

  • The project description suggests work has already started

  • The intended use of funds doesn’t fit the program guidelines

These can usually be corrected quickly. Contact us, and we can review your file to determine next steps.


Ownership Type

If your home is owned by a trust or LLC, or has multiple owners, lenders may require manual review or additional documentation.

Our team can help confirm whether your property is eligible and guide you through the next steps for review.



What to Do Next
If you believe your situation should qualify — don’t worry. Many homeowners who weren’t initially matched are later approved after a quick review.

You can:
  1. ​Contact our Client Services Team at support@houseamp.com or through live chat below.
  2. Verify your property and ownership details.
  3. ​Update your credit file or address information if needed.
We’ll take a closer look and work with our lending partners to see if a manual review can be completed on your behalf.

Idea
Your initial pre-qualification is not a denial - it simply means more information is needed before a lender match can be made. Our goal is to help you get there.




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