Again - the answer is: any lender of right mind, and to be able to give you a more definitive answer, is going to want to pull your credit. Otherwise he/she is "guessing", and what if he/she says, "Oh, sure you can", then they pull credit and find that there are things on it they did not know about, AND your scores don't fall into line. This DOES happen. That is why they pull credit. Also, the credit banks pull is way different than what you get on creditscore.com or any of those. And credit scores do not jump up overnight, and it depends upon the type of issue and its resolution as to how it resolves and increases (your credit score). There are way too many factors to answer this question. The point is to get with an honest, reliable, and ethical lender, and it will fall into place, and the transaction will get done. Worst case scenario? If you are that close, you may need to wait a few months, whether you want to or not. That's the way it is. Lenders are really uptight and locked in to tight regulations right now. They are easing up, but not fast enough.