ladylpk74 wrote:Shane thanks again for the great advice. I will definitely find out if I can get approved. I have two other questions. First, Do you think a lender will accept current copies of our three credit reports along with our FICO's just to see if we have a chance? I don't want several hard inquires to show up only to find out there is no way I will qualify. I simply want to know if I have a chance. Second, When it comes to having 4-6 months of reserves will lenders take into consideration the amount I have saved in my 403(b)? Currently I have $10 thousand in it and I contribute $300 monthly. This is in addition to the $15 thousand I have in savings.