There is a mortgage broker who did my refi I can try and also a state credit union where I can get membership that might be more flexible.

@John Burtleis this a giant national bank, or a community bank, or a credit union?

HI @Deepak GuptaI live in Union county and currently own a MFR.  

Union Bank will go up to 65% LTV.

Hello my name is Chris Cozzens,  I am looking to buy a property in Northern Central NJ ( Union, Morris, Somerset, Essex,  or Middlesex Counties ) I am not extremely particular about the location, I would like to stay within about 45 minutes of Hackensack, NJ where I currently work. 

go to your local bank or credit union and tell them you want to build up your credit.tell them to let you borrow $1,200 and tell them to put the money in an account that you can only use it to repay it.

We have a lot of Federal Employee Credit Unions here in the DC, and I wont let my buyers use them, nor will I accept an offer if that is the lender since I know there is a 90% chance they will have a delay.  

Also good to check your local credit unions and get their asset lists.

Go with local banks, and credit unions.

Union Bank is a portfolio lender in town that is pretty flexible with their loans.