They may also not have the credit to get a refi done. 

Like business credit for startups, personal loans for the self employed, and so many other unique financing options. 

The more prepared you are when you talk to the realtor, the more willing they will be to help you. 

First things to go is my credit card and car loan.

The code section that applies is 55-248.6, which provides the definition of "notice":   "Notice" means notice given in writing by either regular mail or hand delivery, with the sender retaining sufficient proof of having given such notice, which may be either a United States postal certificate of mailing or a certificate of service confirming such mailing prepared by the sender.

Just prepare for the worst but do not ASSUME the worst. 

It would be well worth spending a few hundred bucks for a local attorney and CPA to answer these questions and help prepare your docs.

Check credit, past landlords, work history, and even OSCN, (Court records) here in Tulsa.

To what extent does it take to potty prepare a young doggie?.

Any tips on who you use to keep an eye on monthly credit scores ?