This is not a mortgage company, Paul. This is a mortgage community wherein a large number of people participate and share their issues/experiences and the industry experts and others participating here try to help them out. A large number of lenders are a part of this community and you can speak to them in order to get help. You can seek a no obligation free mortgage consultation from them and check out whether or not you would be able to get a loan. As far as I know, the rate for 30 year fixed mortgage is approximately 5.05% this week.