Option One is a mortgage-lending arm of H&R Block.

On the Option One website, it states: "Option One was founded in 1992 to provide fair credit to millions of Americans who were not being served by traditional banks. We were one of the first companies to specialize in non-prime lending and now are a part of the family of H&R Block companies providing financial services throughout the nation.

In the past 11 years, we've funded over $68 billion in residential mortgages and helped 505,000 Americans achieve their dreams."

This is another financially stable lender. However, the interest rate that they offer you may or may not be competitive, given your financial situation and credit rating. Even if your credit is less than perfect, be sure to spend some time checking out whether you might qualify for a better interest rate. We can't stress it enough: your mortgage is a REALLY big loan. You will be paying it off for a long time - usually 30 years or so. Every ¼ or ½ of a percent that you save in interest charges translates into thousands of dollars over the life of a mortgage. It's well worth your time to shop around.