try checking out a credit union - like State Employees Credit Union. One thing though, it seems some seller agents didn't want to work with them and since I didn't really know what I was doing, I just said ok, and worked with someone else. I assume this is because there are certain lenders that will approve anything and they were afraid of pushback from SECU. i encountered 2 sellers agents like this. I also tried using M&T, which a another sellers agent wouldn't use as they said they weren't local (?!?!). This was at the height of the housing market boom though, so things may be different now. I ended up using the lender the sellers agent wanted me to use and my loan was sold about a month later...and then again a month after that - which is exactly what I was trying to avoid.