I have a 686 middle score. The builder’s preferred lender pre qualified me for a home that was being built and 2 months later said I was denied because of some medical collections that they previously had told me wouldn’t matter. I talked to a different lender who said he couldn’t get me to qualify for that home because of the amount of the home. My wife works but only has a 613 middle score. We need a conventional loan because of the location of the home and FHA limits. Is there any lender that could help or am I screwed? Thanks for any help that you can give.