Credit score isn't the only thing that lenders look at, so contacting a mortgage banker is really the best thing to do at this point. If you are already working with a Realtor, he or she should be able to refer you to someone who can review your financials and pre-qualify you (or help you develop a plan to get your financials where they need to be).
If you need a referral to a great mortgage banker who is great at finding the best mortgage loan products for each buyer, let us know!
Jennifer Maxian and Michael Culeton
The Maxian Culeton Team at HUNT Real Estate ERA
Jennifer - (716) 946-6112 - firstname.lastname@example.org
Michael - (315) 402-0208 - email@example.com