I would look for a company that sells directly to Fannie Mae and services their own loans. Many mortgage companies sell but do not service mortgages and are subject to the "overlays" their investors have in their guidelines. Overlays are guidelines that are in addition to the Fannie Mae requirements that may make it harder for you to get qualified.
I can help you if you have any additional questions. Feel free to contact me at 541-342-2535.
Are you or your spouse a veteran?
Home Team Funding/Pinnacle Capital Mortgage Corp.