Al, Since your question is from March, I have to assume you found some resolution or you gave up! However, I think a consumer in your situation may have more options than you think, A thorough conversation with a mortgage professional may just get the deal done. I know I just pulled a transaction from the fire pit over a sudden drop in credit score and all it cost the client was $40.00 for one trade line and one bureau on a Rapid Rescore. I got the 45 points I needed to make the transaction work. Docs are being drawn tomorrow and the loan will close on time 8/30. Oh, I received the loan application last Thursday afternoon. Sometimes, there is more than one way to accomplish a goal...good ole BofA just declined the loan. I am grateful to them for the opportunity to help my, now very loyal, client.