FIND A BROKER! – This cannot be emphasized enough. TALK TO A BROKER, talk to TEN, but find one that you can relate to,and always use a broker to cut through the dramas and BS. An experienced broker can make you aware of how you need to present yourself financially to a lender, give you information on interest type and loan products. A broker typically has access to a panel of lenders that cross specialize with hundreds of loan products that will give a broader range of options most suitable to your specific needs as opposed to walking into a bank and only having the option of a few products with limited criteria.