I wanted to say stearns lending team made it happen I had 3 homes that were given back in 2008 I have work diligently on my credit since then and paid my rent on time; needless to say I'm a happy home owner! Yes it was hard to type letters explaining my situations to underwriters and provide documentation along with working dinner sports, kids, ect but it's all worth it now that I'm BBQ in my own back yard and not my landlords thank you Ricky, Jennifer and the Stearns lending team. Oh yes Laurie with Remax!