It sounds like Dale might be a good follow up call for you! I don't know him, but it seems like he knows his stuff and wants to help. If you need any help from a professional Realtor in your area, or if you would like a referral to another mortgage professional, please feel free to give me a call and I would set you on the right path. My cell number is (207) 975-9330 and my e-mail is steve@TheMidCoastGroup.com.
Steve Dyer, CRS]
Keller Williams Realty
50 Sewall St., 2nd Floor
Portland, ME 04102
If you have very good reasons regarding to why you were late, you may be able to get a loan or not too long from now. What were the reasons?