Yes for a home loan for a self-employed other than lending tree or ditech. Your exact credit score and history will determine what rate and term you’re going to qualify for. If you want a more confidential consultation or just have someone to listen to you without pressure regarding this question, visit MortgageServicesCenter.Org and go to Borrowers’ section, under free consultation.

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I’d march down to your local strip-mall lender and talk to someone face to face. I had very little credit and was able to get a 1 year ARM at 2 points below the going rate. That means you have (worst case) 3 years until that ARM will increase to the current rate. Then, refinance after 3 years.

If your credit is above 680 and Loan to Value is less than 80% and Debt to Income ratio is less than 50%, I think citigroup and countrywide is pretty good. They have the best arm rates. Even the best rates look pretty ugly right now.

is what my wife and I used twice in the last 5 years. And we had less than OK credit.

Any crafty bank will lend you one..even with poor credit.