Get an actual mortgage broker who has access to different options, and will work with you telling you what items on your credit report to deal with short term to improve your score.
Beginning March 1, 2002, pursuant to Article 14 of the New York State Real Property Law, sellers of 1-4 family residences excluding condominiums, cooperatives, and unimproved land must provide buyers with detailed Disclosure Statements before entry into binding contracts.
They just need to add 1 can tomato paste, 1 can tomato sauce and 1.