Any lenders who will do a manual underwrite on a conventional Loan?
Yes, we have a manual UW conventional product. Feel free to reach out if you would like to discuss more.

Loan officer says we were eligible underwriter says no. How is that possible?
Tough situation - what is the debt issue? Some underwriters are adding a payment to collections and chargeoffs as a result of the Ability To Repay laws. Some lenders have changed their guidelines to a blanket maximum of 41 or 43% back end Debt Ratio. I have 9 years experience, lend in all 50 states and I...

If i have a 654,a730,and a 680 can i get a fha loan?
Yes, a 680 FICO score will give you a lot of flexibility and you can apply for more than just the FHA product. There are many other factors that determine loan eligibility - I would make an application with an experienced, well-reviewed Loan Officer.

Is there a max for using 401k money for my down payment
For most conventional and government loans, you can use as much as your plan will allow you to withdraw.

can i get a mortgage with a 623 credit score?
Yes, there are several options with a 620+ credit score. Feel free to reach out if you would like to discuss in more detail. Eric Vander WerffGoldwater Bank / NMLS 107939206-794-6388