No matter how good your credit report is, any mortgage lender wants to know how much money you make to verify that you have the income to repay the mortgage.
Lenders limit the amount that you can borrow based on your income and the amount of other outstanding debt you have to pay each month. It's not surprised that if you have in your account more than 25% for down payment and closing costs, it will be easy to get a mortgage.
All the best,
Conventional loans generally require all tax liens to be paid off prior to closing. To my knowledge, Fannie Mae and Freddie Mac do not have exceptions to this policy.
If you are applying for an FHA, mortgage you are generally not eligible until the lien is brought current, paid or satisfied OR a satisfactory payment plan has been established IN WRITING and the IRS will verify that payments have been made as agreed (usually for at least 6-12 months). In addition, depending on the size of the lien, the IRS may need to agree to subordinate their claim to the mortgage. This means that the IRS could not take the home for non-payment of your lien. It's all about protecting the bank's interest in the home.
Some lenders offer "portfolio" mortgages - loans that they don't plan on selling and that only need to adhere to internal guidelines as opposed to Fannie Mae or FHA guidelines. These loans are typically harder to come by and they usually have higher interest rates and larger down payment requirements. You could look at those too.
Like I said, feel free to reach out to me if I can be of any assistance to you. We have the ability to both direct lend and broker the loan out, so we might have a few options for you.