Yes, you could try calling my lender at United Realty & Loan, her name is Patty Villanueva her cell is 760-521-8398 or email her at Patty.URM1.com, if anyone can do it she can. I have her qualifying clients of mine who are in Sydney, where 1 is a US citizen & the other isn't.
You're up awfully late, you can call Patty even on the weekends.
Shoot me an email directly if you'd like to talk to me some more. I don't look back on this same Trulia thread for answers posted after mine.
Realtor Since 1996
Main Street Realtors... more
Lenders will use the middle score from all 3 credit bureaus which may or may not be Experian. In addition, if it's a large collection amount, lenders will require it be paid off prior to closing on a new home. You should consult w/ your lender before you begin to search for a home. They should be able to advise on the best course of action so as to move forward w/ a pre-approval. Good luck.... more