I am semi-retired now and want to move to Seattle, but can't get a pre-approved loan from Wells Fargo because I don't have enough income now, any suggestions to get a loan pre-approved from Seattle local bank or mortgage institution? 

As such watching the motions on pacer allows a pre-buyer to reach out immediately and potentially buy the property BEFORE the trustee sale (subject to civil code 1695 in ca, and other pre-buy laws elsewhere).

However, absent a mechanism to record such receipt, a three-day delivery period is assumed, meaning that the lender must send out the forms at least six days ahead of the closing.Revised forms will have to be sent out when there is: An APR Increase greater than 1/8 percentA change in the loan, such as fixed rate to adjustableA pre-payment penalty added after the initial disclosurePros The new forms should be easier to understand, convey new information and won't be so overwhelming.Borrowers will have more time to read the documents and ask questions.Borrowers taking an adjustable-rate, balloon or interest-only loan will see best- and worst-case examples disclosing how the payments and rate could change over the loan period.Borrowers are protected from material, undisclosed last-minute changes to the deal.Closings dates may be pushed back.

Just bought a pre-foreclosure house in the trustee sale.

Ok when you buy a pre-foreclosure or say a home with 40% equity....Are you just paying for the note on the property, so that would be your discounted price right?.

@Nicholas Miller  Just to clarify I do know that POF means proof of funds but it entails that you provide at least a pre-qual letter and bank statements or stocks or some sort of liquid funds, where I am from anyway.  

Other than reading about real estate, I love to rock climb, fly helicopters, ski, fish, backpack, ride motorcycles, travel and experience all that the outdoor world has to offer!

Skiing, festivals, universities etc where you could expect to get some additional rents?

It's about .5% higher APR than if I competitively shopped and perhaps a few hundred in extra CC but if it closes, and closes quicker, it will be worth it. 

I see PenFed and Capital one with around 3.8%apr from Bankrate.com.