I worked at PenFed before they screwed me as an employee because the manager was a big B. However.. you could try them. They give out loans on people I swear should not have a loan period, and they just started risk based lending. I know as an ex employee, and one who is going to file banko i'll be blacklisted, but as someone who hasn't worked for them it's worth a shot. You could call the MSR line, and see if you can get ahold of someone who's not a nitwit and talk with someone who's at the loan desk regarding approval before you apply, or you can just apply online and they'll tell you right then yes/no/maybe so. However you have to get them the title with them as a lien holder within 6 months otherwise they raise your rate to a perosnal loan rate, that's the only down side in my opinion with lending with them since a lot of people don't want to deal with that, and the fact that they are very understaffed things get missed and the waiting can sometimes be a long time depending on what loan product you're looking at.
