Client gets turned down because of ex-husband. We turn it around. Yes, we had a client who got turned down for a mortgage because we were counting her spousal support and her ex does not pay on time every month. Stunned, I am a “never-quit” mortgage advisor, and I found another bank who could see the pattern, see the profile, and see that he reimburses for expenses (showing good character) in timely manner; therefore, even though he might be a little late 2 times a year, he meets his obligation and has for 8 years. We definitely can depend on this income. We went from turn down to approved! And now she is saving $500 per month!