Here is an update on my loan situation. I've been told by over 10 lenders/institutions that I will need to find a lender that will carry the loan in-house, because I do not meet Fannie Mae/Freddie Mac Guidelines for a home purchase (due to 1099 IC's having a high default risk as far as the government is concerned). I'm looking to make a 15 - 20% down payment and my credit situation is great. Does anyone know any lenders or brokers capable of manual underwrites and originating an in-house loan? I'm willing to pay a high mortgage insurance premium for the first few years if needed.