Whatever you do....don't lose hope!!!. Here's why! Yes, there are lenders out there for you. However, you will need to search. Your credit scores are good and since you can meet income requirements you have met the requirements of a portfolio lender and private money lenders. Here's the catch....a portfolio lender usually will not sell 30 year fixed rate mortgages. They carry a 5/30 meaning amortized over 30 years but due in 5 or 7/30. Often times they will carry interest only loans too. Portfolio lenders do not sell their loans to investors like Fannie Mae and Freddie Mac. They write their own guidelines and believe me they are by no means as ridiculous as many of the conventional lenders are.
Unfortunately, the only one I can think of is 1st Portfolio Lending in Maryland (firstportfoliolending.com)
A private money lender is another option available to you, however, I must warn you that interest rates, points, fees as well as LTV is significantly high. Rates can be at 6-10%, points and fess are about 2-4 points, and often times you will need a 30-35% down payment. As I said it is an option...not one that I would highly suggest, but it depends on your own personal circumstances....which only you would know.
Anyway, I hope this was of some help and hang in there, it does get better. Keep your hopes high.
Check out my website to get more tips at for-closuresolutions.com.
Good luck. .