She is very trust worthy, personable and very attentive to her clients needs and concerns.
Hope this helps
Exit 1st Class Realty
Companies like Lending Tree are a means of getting leads to sell. They sell it to at least 5 lenders. These lenders use call centers-that means you are often quoted low rates that you might not qualify for to get your application. You should speak to a mortgage originator that knows how to qualify you for a mortgage.
If your 2 years removed from your Chapter 7 BK, then you should be eligible for FHA financing, but FHA financing only. Conventional financing won't be available to you until 7 years after the discharge. If a foreclosure was involved with a Chapter 7, then it would be 3 years before you'd be eligible again for FHA. Also, FHA allows you to only put down 3.50% as a down payment, so that might be you best (and only) bet.
Regarding Lending Tree, I think your better off talking to a local mortgage banker/broker versus going the Lending Tree route.
I do know of a local homebuilder in Melbourne that is very reputable ~ http://www.bayswater.cc. Ask for Dude Braselton and let him know that I asked you to call him. He's building lower cost homes near the intercoastal that might be perfect for you ($200K - $300K homes).
Maker Capital Group, LLC
2003 N. Lamar
Austin, TX 78705
BUT.... I still think you have a good chance. Check with lenders until you find the best value. Ask about their fees, interest rates, down payment. Tell them you want a FIXED RATE. Don't sign anything while going through this process. Once you find a lender that you feel comfortable with, they will want to run a credit check and get all of your financial information. Then you'll know where you stand. You will most likely pay a little higher than average interest rate due to the bankruptcy.
Hope that helped.