It is over.  I just closed on my home this morning.  It was a hell of a ride.  I was suppose to close on the 22nd, 29th of August, then the 5th, 7th, and the 10th of this month.  I was good to see the smile on my wife face...my kids as well.  The loan is a FHA loan, $280,000 with 5% down.  Credit score of a 660, oh yea...I had a deed in lieu completed April 2009.  Interest rate is 3.375% and the home is 3100sq Ft 5 bedroom, 3.5 bath with an unfinished room.  I want to give thanks to MYFICO and everybody here.  I came here a year ago "seeking the light" and I found it. 

If you ever think that you can get a home loan with a deed in lieu,  I am living proof.  Also, I had a 51%dti as well.