I'm a Dave Ramseyite too. I've been through the debt free journey, saved my emergency fund, saved for a downpayment on a house.
Since my FICO score isn't great because I've not used credit for a while, I found a bank that does manual underwriting. When I told them I was debt free, had money in the bank plus a healthy down payment, they couldn't wait to give me a mortgage.
It really does go with the primal lifestyle.
This stuff really works.