<prompt> Human: I tried to get pre-approved for a home loan at a local credit union and was denied. My credit score is almost 700, I have 20 down, I owe no money, and my income and job history are both ok. The loan agent said I didnt have enough open credit accounts. I was told I needed 5 credit accounts and that I should open for example 3 credit cards and make good on payments for a year then come and inquire about a loan.Anyone have suggestions on lenders that wont hinge a loan on the amount of credit accounts I have open on my credit history?Thanks for the advice everyone! It sounds like I should look shop around for different lenders, find someone who will consider manual underwriting, and lastly a new credit account to increase positive payments history.  <response>: Almost 700 isnt that good as these things go.Your choice of a lender is going to vary depending on where you are. A mortgage broker would be familiar with your options, and could advise as to what lenders might want to handle your situation. 