The individual lenders do NOT make up the minimum scores allowed....it's based upon the loan type...typically now between 620 & 640. May I suggest you try calling Natalya Hill at 919-614-0388. I have been working with Natalya since I started back in 1994, only because she has been the most consistant lender I have worked with and has NEVER failed to get a loan for me for anyone she has pre-qualified. She recently helped my son get a VA loan that had an issue with the VA and even our local Congressman couldn't fix!!
If there is anything I can assist you with, please check out my website at http://www.RaleighHomeSite.com
where you will find all my contact info.