Must have track record!

I assume you have a business credit card along with it, for business related expenses. 

As many of you probably know (and I just learned), proof of a consistent flow of income from the same employer for 2+ years is extremely important when it comes to receiving a loan (regardless of my excellent credit score and lack of debt). 

@Brandon CraigHi Brandon I'm going to be the first response here and the 'wet noodle' of sorts.Firstly, get your credit working for you. 

You should then receive a physical collateral file if not already an electronic one - Collateral file is a a file which contains all of the previous mortgage paper work including things like alonges, deeds, borrower personal information such as bank accounts and credit scores at the time of the sale, pretty much all the paperwork submitted, required at the time of the sale. 

I put the money in the Roth into index funds that track the wide market.

There's many independent banks and credit unions in my area who no longer even write mortgages, they just refer their clients to big banks.

Credit/debt isn't really a huge issue, it's more our comfort level.

Getting your personal life on track should be a priority way ahead of buying a property.You have the cart before the horse at this point in time..

Something that also does online applications and credit checks etc?