are there any lenders that will manually underwrite a Usda loan?

We can with a Verification of Rent & 12 months cancelled checks reflecting no 30 day late payments and housing payment not increasing by more than 50%

What you are really asking is if there is a lender willing to approve you with debt ratios that exceed the standard USDA loan guidelines. The answer is YES, but you need to have significant compensating factors for a lender to do that. Your low 640 score and BK will probably not excite any lender to do that for you. For USDA loans in MN and WI, visit www.MortgagesUnlimited.biz/USDA

yes there are.

I agree with Joe Metzier's answer

Yes, there are, and most likely the lender you have can as well so ask them about the mitigating factors.

The answer to your question is yes, but the file will have to have compensating factors that offset the issues that you have briefly mentioned. Our office handles loans in Illinois and will be glad to assist you if you have any questions. Please call me at 314-744-7806, or visit my website www.CallTheMoneyMan.com.

The answer to your question is yes, but there will be compensating factors needed to offset the parameters you mentioned in your question. We handle loans in Illinois out of our office and will be glad to assist you on this. Please give me a call at 314-744-7806, or visit my website at www.CallTheMoneyMan.com.

Hello:Yes we can help you. We are a local mortgage broker in Naperville, IL . Our lender will allow up to a 49.99% Debt ratio with compensating factors. Please give me a call or visit my website and fill out a request for more information.I look forward to working with you!