You should get a better than average Interest Rate, and certainly, better service:
I would recommend a Mortgage person, up your way, who has the integrity you need:
Dominic Sylvestri, at 925-260-4984.
I am located in Fremont if you would like to discuss further.
With 30% down, you may actually be able to take some of your cash, pay down a bill or two and get that credit score up and improved!
Utilizing your cash to the best of its ability!
It is definitely possible. I have a portfolio lender that can qualify as low as a 620 fico score, as long as you meet their guidelines. Please feel free to give me a call or email at your convenience to discuss.
First Capital Mortgage
Direct: (310) 434-1718
Fax: (310) 451-6407