Every Lender/Bank is different. It's not an "end all" if one does not approve you or one has conditions you can't fulfill. Try another and another, they all have different products some with very similar programs but their terms or conditions may differ, Reach out to your Realtor and ask for advice as to what your lender is telling you, 99% of the time your Realtor has been through something similar and have the right people for the job. If you been denied in the past I have a guy for you to try.!
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Ray Maestas Folsom Realtor is a top agent in NorCal specializing in Folsom, Roseville, Fremont, Union City, Fair Oaks, El Dorado Hills, and the surrounding communities