I would suggest finding a local, reputable mortgage professional, preferably by personal referral. A review of your credit report and an in-depth discussion is the best answer to get you to where you want to be.
I am a local mortgage broker and would be happy to help you get pre-qualified. We work with over 30 lenders to help you get the best possible financing. We specialize in FHA, VA, and conventional financing. Where other banks require a 640 and above score to help with financing, our lenders will go as low as a 580 score on an FHA mortgage. SMC carries an A+ Better Business Bureau Rating and we have worked in the community for over 15 years!
Please call or email me so we can set aside some time to get you prequalified; or visit my website to complete the application http://www.smartmortgageinc.com.
I look forward to working with you!
Smart Mortgage Centers
firstname.lastname@example.org / http://www.smartmortgageinc.com