Any lenders that work with Settlement clients??

The lender will surely gonna check your current financial status before lending you out, because they need to ensure the possibility of getting the money back. and whence you're already under the program it implies that you're experiencing some financial hardship. Hence, the settlement program, which is visible in your credit, will influence his/her decision making.

Normally, one needs to have a great credit score, normally 650 and above, to qualify for a mortgage loan. I'm not sure if any financier will be willing to work with a customer with financial problem. And even if they do, the charges gonna be sky rocketing.

~Alice

Well, I don't care if the charges are high, intially. I just want to get my foot in the door, and re-finance later on. I am paying a mortgage now, from the house I am trying to sell, so I can afford a mortgage. And the figure of 650 sounds high to me. Even someone from Wells Fargo bank told me they are willing to look at someone in a Settlement program if they have been in the program for a year and making regular payments. My problem is, I probably won't have been in the program for quite a year when this all might come down.