What if a bank already declined my mortgage?

Send the scenario anyway. Most files I close were declined by a bank for tax-return income, debt-to-income ratio, or program fit reasons. As an independent broker I shop 40+ wholesale lenders, including non-QM programs (bank statement, P&L, DSCR, asset depletion) that banks do not offer. A prior decline does not predict the outcome of a Non-QM review.

Can I upload my tax returns and bank statements securely?

Yes. The scenario form supports optional file uploads (PDF, JPG, PNG) up to 8MB per file. Uploads are encrypted in transit. You can include tax returns, bank statements, pay stubs, a prior lender denial letter, or a P&L. None of it is required to start the conversation.

How fast will Adam reply after I send my scenario?

Within one business hour during weekdays. Adam personally reviews every scenario submission and follows up by phone, text, or email. There is no call center and no junior loan officer involved in the initial review.

Will sending my scenario affect my credit score?

No. The scenario review does not involve a credit pull. There is no obligation to apply and no commitment of any kind. The review identifies which loan programs realistically fit your file before you decide whether to formally apply.

What kinds of files does Adam Styer handle?

Self-employed Schedule C borrowers, S-corp and LLC owners with K-1 distributions, 1099 contractors, real estate investors (DSCR), high-net-worth borrowers using asset depletion, jumbo files up to $4M+, VA, FHA, and conventional purchase and refinance loans. Most of the practice is non-QM and complicated income, statewide in Texas.

Is the scenario review the same as a mortgage pre-approval?

No. A scenario review identifies whether a file is workable and which programs to consider — it is conversational and document-light. A full pre-approval includes a credit pull, income and asset documentation, and produces a formal pre-approval letter you can attach to a purchase offer. Many borrowers start with a scenario review and convert to a pre-approval once they have a target property and a clear program path.

Send Me Your Scenario

The file a bank already said no to. The self-employed deal nobody else will touch. The DSCR portfolio you want to scale. Tell me what's going on — upload anything that helps — and I'll tell you what's actually possible.

★★★★★ 5.0 from 92 Google reviews ★★★★★ 4.98 from 45 Zillow reviews 1,000+ Loans Closed 40+ Wholesale Lenders

What I close that banks won't:

Self-employed and 1099 income that doesn't show well on tax returns
S-corp, LLC, and K-1 partnership owners with complex returns
DSCR investor loans — qualify on property cash flow, not personal income
Jumbo and high-net-worth files up to $4M+
Asset depletion for retirees and high-asset borrowers
VA, FHA, conventional — when speed and pricing matter

Tell me about the file

The more you can share up front, the faster I can tell you exactly what's possible. Takes about 2 minutes. Optional file upload is encrypted in transit.

About you

First Name

Last Name

Phone

The loan

Loan Goal

Employment / Income Type

Property Use

Estimated Loan Amount

Estimated Credit Range

Timeline

Annual Household Income

Property City / Area

The story

Has another lender already weighed in?

Tell me more

Plain English is fine. The more context, the better I can route the file.

Optional: Upload supporting docs

Tax returns, bank statements, pay stubs, prior lender denial letter, P&L, or anything else that tells the story. PDF, JPG, or PNG. Up to 8MB per file.

I agree to be contacted by Adam Styer via phone, email, or text about mortgage options. Consent is not a condition of purchase. Msg & data rates may apply. Reply STOP to opt out.

Yes, I also consent to receive automated text messages at the number I provided. This is separate and optional. Reply STOP to cancel.

★★★★★ Reply within 1 business hour · 1,000+ loans closed · 40+ wholesale lenders

No credit pull. No obligation. No judgment if a bank already said no.

By Adam Styer, NMLS #513013 · Senior Loan Officer, Adam Styer | HyperSmart Home Loans · Austin, TX · 1,000+ loans closed since 2017 · Updated May 18, 2026

Scenario review vs. pre-approval — what's the difference? A scenario review is a low-commitment conversation about whether a file is workable. No credit pull, no formal application, just a back-and-forth about your income, the property, and what programs realistically fit. If you already have a property under contract or need a pre-approval letter to make offers, start a Pre-Qual Review → instead.

What happens after you submit

Adam reads it personally

No call center, no junior LO. I review the scenario and any uploads myself.

Quick callback or text

Within 1 business hour during weekdays. Tell me what you need clarified, what programs fit, and what comes next.

Clear next step

You get a straight answer on whether this file is workable — and the exact docs needed to move forward. No pressure to formally apply.

Prefer to talk first?

I personally take calls. No gatekeeper.

📞 (512) 956-6010 Book 15-Min Call