This question posted Jan 2013
This is the pathway to harm you are choosing. Don't do it.
Contact a local REALTOR and chat about your situation, your real estate needs and your perspective regarding your credit score.
Your REALTOR will be able to direct you to a proven lending source for folks in your situation, with your credit score, at your income level needing to buy the same type of real estate. Your REALTOR will hold the lender accountable for the outcome. You can not hold an online lender accountable for anything.
ALL lenders will run your credit and accept your application but not fund all types of real estate. Don't start the process backwards. It is an assured way to be abandoned at the buyers alter by your lender.
Have your REALTOR introduce you to the lender who can create for you the most authoritative purchase offer. This is one backed by a "CLEAR-TO-CLOSE" not a pre-approval. This makes you very competitive with cash buyers allowing you to close in days, not weeks or months.
Your can find many exceptional REALTORs right here on Trulia.
It is also important to work with a Realtor who is familiar with all the different loans that are available to you.
Owner Sierra Brokers Real Estate
Get an updated report prior to looking at houses. Below is a link to what an RMCR includes.
Best of Luck,
Josh Barnett, Realtor
Metro First Realty