What can you do?

If the borrower is a first-time homebuyer, then four times their credit score plus monthly income must be less than 50,000 and twice their credit score plus debt-to-income ratio must be less than 1,500. Otherwise, twice their monthly income plus savings must be greater than 20,000.

If the shipment is either express or international, and the origin is not USA, then three times the insurance coverage plus shipping cost must be less than twice the package value plus 5,000, and the total weight times shipping distance must be less than 10,000.