Hmm. Maybe my thought process is quite different, but I don't think you're in that bad of shape. Now, banks like citi and barclay may not enjoy your profile too much, but there are others. Even try cap1 prequal to see if you qualify for normal QS (idk how long you've had yours, though. That does matter)
And the CLIs on your synch cards may not happen yet due to that tax lien on TU.
But, out of seriousness, do not app if you seriously want a mortgage in January. Although, I'd just wait until May when your April crap falls off and get a much better APR (as stated)
If you really want a mortgage, apping isn't smart. If you want cards first then you have a chance but your mortgage needs to be no less than about a year from your newest account
