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![]() Anderson was checking her credit score online when a pop-up ad announced that she was eligible for a mortgage, listing several options. There were so many negatives against me.” And also being a contractor - I know it’s frowned upon, because it’s looked at as unstable. “I was a divorced woman and a Black woman. “I found the idea of going to a bank completely intimidating and impossible,” she said. ![]() She was working hard to improve her financial profile, but she couldn’t imagine submitting herself to the scrutiny of a mortgage broker. She longed to buy a home, but the divorce had emptied her bank account and wrecked her credit. Anderson, 41, a pharmaceutical benefits consultant, was recently divorced, living with her parents in West Orange, N.J., and sharing a room with her daughter. In 2015, Melany Anderson’s 6-year-old daughter came home from a play date and asked her mother a heartbreaking question: Why did all her friends have their own bedrooms?
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