#1 the traditional mortgage "broker" is not the way to go. A lot of them are not in business anymore and if they are, they're going to do what mortgage brokers do...charge you more. Go directly to the lender. I suggest Coldwell Banker Home Loans. Call them at 1-888-791-9081 or my "Premier Agent" number 1-866-844-0323.
In about 20-30 minutes they will be able to tell you where you stand and the best way to proceed. CB Home Loans never got into the sub-prime game so they are solid now with their own money to lend...not bailout money. Remember, credit rating is king these days so if you are in good shape, "Salut" and good luck.