What Happens if You're Declined on Your Home Loan Application?

I get this question every so often.

People have applied for a home loan and have tried more than one bank or financial institution, and in many instances, out of desperation, all the lenders available.

When I receive these calls and it's explained what's happened, the next logical questions I'm asked is:

- What now?
- Can you re-apply on my behalf?
- Is there anything else to do?
- When can I apply again?