 TITLE: Is Refinancing Harder When You’re Self-Employed? CONTENT: What if Your Refinancing Application Is Denied?\n-----------------------------------------------\nIf your mortgage refinancing application is denied, your lender must tell you the reason in writing. Most often, applications are denied because your credit score is too low, your debt-to-income ratio is too high, your income is insufficient or you don't have a strong employment history.\nIf the lender doesn't specify why your application was declined, follow up to find out. Knowing why you didn't get the loan can help you take action to remedy the situation, such as working to improve your credit score and increase your business income. END