Mortgage loans can originate from any location such as Calhoun La, Utah or New York. I find it is best to seek mortgage lenders near the location of the purchased home.
Some 'traditional' banks can go as low as 580. Other sources of funding are available that many lenders are unable to service such as those seeking mortgages whose income is based on commission, investment income, annuties, business owners, and even special financing for those recently completing a short sale, foreclosed or bankrupt. These borrowers will need to have strong cash flow and reserves to acquire funding.
Your best option is to talk with a real estate professional in your area and discuss your situation. They will have a inventory of mortgage resources from which to draw. Contact the mortgage counselor they suggest and follow the guidance provided.
Best of success,
ReMax Realtec Group