Sherry: you must have done something wrong. I own my own car and motorcycle, not to mention my mortgage. And I was approved first time. Check with a lawyer. Many of them will do the work for a fraction of your first check, which in my case wasn’t even worth them bothering. So she ended up doing all that work for free. But you have to give them a blow by blow of your worst day. Not the day that you were feeling well enough to go to the store by yourself and walk from the parking lot, etc. But the day where you were so tired after chemo or something that you couldn’t even make it down the stairs to your laundry without stopping for breath, etc…..