You don't say specifically, but do you have a contract on a house?  I wonder if you were "pre-qualified" or "pre-approved", there's a difference.

Do you have a Buyer's Broker?  I would talk about this with your Buyer's Broker, or if not with the seller's realtor for recommendations for a mortgage broker.

BK7 Filed 8/11/2009 Discharged 11/23/2009. Purchased new home 4/11/2012 Gardening since 10/6/2012

Starting Score:11/16/2009 EQ 566 11/16/2009 TU 538
Interim Score: 4/2/2011 EQ 682 1/14/2011 TU 665
Current Score: 12/27/2012 EQ 683 09/17/2012 EX (lender) 670 1/01/2013 TU 701
Goal Score: EQ 700 TU 700
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