downandout,
I contacted them twice.
The first time I was rejected was due to overly negative net cash flow (around negative 1,300). This was when my husband took a 20% pay cute; I was advised to cut back on spending and find a second job.
The second time around I was rejected due to being current and not flagged. At this time my husband finally got a new job restoring his original salary, bringing net cash flow to negative 300.