It didn’t matter that we have good  credit, income, and clean history otherwise...  

Do you have the money/credit for a down payment? 

But we really do try to help them get ready to buy our properties by connecting them with a mortgage company that helps repair their credit so they can get a loan.

She is the only applicant but we did require that anyone over the age 18 get a background and credit check.

They can allow you to pull their credit by unfreezing their reports temporarily. 

I have great credit and work history, but no money.

I used Houserie for credit and criminal background checks.

Can I be refused REFI because of credit score even if I am current on my payments and have enough equity?

Multiple offers at the same price and an appraiser won't support the price.Full story:Flipped 1827 Hepler Dr, Warsaw, IN (look it and how beautiful it is...)Listed 154,900 Under contract at 150K within a week and half after many showings and a different offer from a buyer without real credit approval. 

I know in our area here.. most realtors simply are not going to work with contracts that don't have POF's  they have trained their sellers that its a waste of time to work with any contract that does not have POF>and not just mail order internet POFs must be from local reputable lender that they can verify..