I'm not sure what our FICO score is, but can you do manual underwriting to prove that my wife and I are responsible and pay our debts well?

Desktop Underwriter(R) (DU(R))Representative minimum credit scores for manual underwriting (or use enhanced credit evaluation):660 score Benchmark qualifying ratio follows Fannie Mae standard Selling Guide (Section B3-6-02) for manual underwriting; additional flexibilities permitted with Community Solutions(TM) and Community HomeChoice(TM)UnderwritingManual Underwriting (Limited waiver of representations and warranties does not apply.)Reserves for manual underwriting:

In order to get the best rates you need to go thru a Fannie Mae/Freddie Mac progrom. both of these require an automated underwriting decision, not manual. I can take a look at your credit at no charge to you and provide you a copy of the report. Joe Shamie 732-759-8189 x-102