I have issues on my credit report. Can I get a mortgage with imperfect credit?

Good News, Bad News, Good News. 

The Good News is YES, we can help you get a mortgage.  Our mortgage division has specialized for decades in manually underwritten FHA and VA loans allowing a "make sense" approach to underwriting the way HUD meant for it to be.  We are a bank, not a mortgage banker and not a mortgage broker.  We are an actual bank that can make those tougher decisions when we think a potential buyer is a good credit risk.  The Bad News is that your imperfect credit typically adds fees to your loan to off set the risk of lending you money.  But, the Good News is that when The Frog is representing you in your real estate transaction, he can pay these extra fees for you by showing you which participating builders have specials that particular month to cover those fees so you don't have to.