Script A
Not all lenders have the same underwriting guidelines.
Would you like to try another lender?
 

Script B
Sometimes it is necessary to consider non-conforming financing
until you have established an acceptable mortgage payment record.
 

Script C
If you will work on paying down your installment debt,
I can help you to find another house in six months.
 

Script to avoid
This lender is nuts! It isn't your fault that credit cards arrive in the mail every day! I know a lender who isn't so strict about following every little letter of the law.