Abstract: A recommendation engine analyzes an entity's financial situation and, if possible, makes recommendations that, if accepted, will move the entity's financial state into one in which, for example, a loan will be approved. In some embodiments, the recommendation engine analyzes an entity's financial situation and, if possible, makes recommendations that generally improve the financial state of the entity. In one embodiment, recommendations include reduce existing debt, using existing assets for equity, looking at co-borrowers and whether a co-borrowers is in a better financial state, using a portion of a down payment to pay down existing debts, consolidate debt to low rate credit cards, etc.