Sometimes, bad things happen to good people. Accidents, illnesses, death of a providing family member and similar Life Events can cause a credit issue that makes it impossible to obtain financing with a typical Agency type loan. Many of these people get back on their feet and can show evidence of it. We will look at that loan. All our loans are manually underwritten, which means that a PERSON, not a computer, has underwritten this loan. We use common sense underwriting. We want to hear the story.