I am finally ready to buy again after never wanting to own real estate again again losing everything years ago. I have rebuilt my credit and all monitoring services I use show me scores between 710 and 730. Mortgage company pulls and it shows mid 600's WTF. Everything is paid on time, credit usage is less then 30. I get they use a different process but it clearly looks like they try to screw you our of the gate so they can charge higher interest. I would love anyone's input who is self employed on this? Thanks