Why haven't you qualified? No time? I sympathize with you. So when it needs to get done ...you do it. We are a Direct Lender with FHA/VA and Conventional programs. Apply anytime at my website www.crosslinecapital.com/sortega. I look forward to talking with you. Sonny P. Ortega - Mortgage Banker, NMLS ID 846 - Crossline Capital Inc.