I am a local lender with Wintrust Mortgage right here in Chicago. I can't advise you until I can take a peek at your credit.
Please go to my website and fill out a FREE online application by clicking on "start the process". Make sure you do the entire application, not just the pre-qual. The more info you put in, the more accurate I'll be able to assess your situation.
Work history, rental history, assets, income, etc., etc.
Senior Mortgage Consultant