I know a local loan officer who is very good at getting people's scores raised by 20 plus points. It's a trick that has gotten 3 clients into loans in the past year that couldn't qualify because of just a few points. I typically just give out the advice on forums like this with no expectation of telephone contact, but since it's the loan officer's secret weapon that the others don't seem to know, I don't feel comfortable telling it publicly... It is legal and ethical, so don't worry about that... If you'd like to call me, I'll be happy to discuss it with you. Since you mention you don't have an agent, I'd love to talk with you about buyer representation. I'm an Accredited Buyer's Agent (ABR), a Graduate, REALTOR Institute (GRI) and a Certified Residential Specialist (CRS). I have over 15 years experience representing buyers. I am a Shelby native that spent 20 years in the military moving often...I've been home for almost 12 years. You can reach me at (704) 473-4756.