Non-mortgage solutions become handy when the bank has refused to help and you need an alternative. You may consider non-mortgage solutions such as joint ventures and rent-to-own. Banks can be notoriously rigid in protocol and scope, even with customers who have been with them for decades, so finding a conventional mortgage can be a real problem for prospective homeowners. Existing homeowners looking to refinance are often no better off. If your credit score is at all in question the road to freedom can be fraught with barricades.