Answer: -The underwriter is the person that approves/denies the loan...you'll just have to wait to find out.By the way, brokers that say we "specialize in bankruptcy and low credit history," don't really...they would jump at the chance to do comforming deals. It's just a way to drum up business from desperate people who won't shop around for a better deal. -There are a lot of companies that specialize in low credit and bankruptcies. Just make sure that you are getting the best loan that you qualify for. I would not go with just one offer I would get two or three, just to compare rates and closing costs. I do a lot of these every month and are kinda hard but as long as the borrower tells the truth and discloses everything from the beginning we can usually get the approved. You should be okay though. If they cannot do it someone can. Good luck with this, have any other questions feel free to contact me. -If you are in the UK why not go through a Financial Adviser, they use brokers who specialise in adverse credit but they will also source the best deal possible for you. The Financial Ad visor will charge a fee but you should get a "Cost of Services" leaflet outlining what they will charge you before committing yourself, this may work out a lot cheaper though. You didn't indicate if you are already using an IFA, so just a suggestion, it's best to shop around in these cases as it is a huge commitment over quite a long period. Even if you are offered a product from a provider on a fixed term your IFA can source for a better deal when the time is up.