Hi Robert, Were you able to get your answers that you needed with a Lender? Any Lender should be able to answer your questions. If you need assistance finding a lender, please let me know. Take good care, and thanks for reaching out for advice.
You might have a chance, contact a direct lender and see if they are willing to work with you. I know as of now, credit scores are becoming so low nationwide that lenders are looking closer at the income to debt ratio one individuals, compared to just going off a credit score.
That would ne a question for my lender to answer, but i think your close enough to get started. Give me a call so i can get to work for you. (951)3067501
In the mean time you can do a little window shopping on my website down below.