You dont have much to lose by doing that. But before you submit an application, ask them about their cash-reserve requirements. Tell them youve been denied for this reason before, and you dont want to go down that road again.
Ask the loan officer who actually works for the bank or lender - not the broker. Do you belong to a credit union.
If so, you should ask them about their mortgage options.
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Late Payments Hurt Your Credit Score. Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, personal loans from private individuals should contact your lender immediately and discuss how to handle late payments.