 TITLE: What Are Mortgage Overlays? CONTENT: Can You Avoid Mortgage Overlays?\n--------------------------------\nYou can potentially avoid overlays by shopping around with different lenders. Some lenders don't have overlays that would disqualify you from borrowing, or your financial profile may be strong enough to avoid them with other lenders.\nIf you find a lender you like, they may be willing to remove certain overlays in exchange for a higher interest rate or larger down payment.\nStill no luck? Consider returning to the drawing board to improve your credit and overall financial health before trying again at a later date. END