Jeremy, It is my opinion that the subprime market has made the financial institutions change there ways, but I have sold many homes to first time buyers and average blue collar families with average credit scores. I would recomment you contact any of the banks listed within our links page. Eric Trimble of Affordable Home Funding has always been my source for Financial information; He has worked with many of our customers to get them the home they want. You can call him at 585-593-7599 or email: etrimble@ahfmortgage.net And of course call me to help you find the perfect home.