based on the info provided you could have a good chance on getting a mortgage approval for a FHA Loan Product.
If there is anything I can do to discuss your options and pre-approve you for the home of your dreams, please feel free to contact me at your earliest convenience.
Lic. Loan Originator
I would be happy to run the numbers for you and get you pre-qualified or pre-approved, so you can shop knowing your options and payments in full before moving forward.
Best wishes, Jim 703 615 4675
Sounds like there would be several options open to you. I would recommend you contact Tara Pinard at Sunbelt Lending Services - (321-689-5964 firstname.lastname@example.org) Sunbelt Lending is an affiliate of Coldwell Banker Real Estate and has many programs available. Tara can usually take your information over the phone and have an answer for you same day. Her office is in Longwood.
Once you have spoken with a lender and have your pre-approval we'd be delighted to help you with your home search. You can search for homes on our web site: http://www.floridamoves.com/denise.scheuy
Denise & Al Scheuy
Coldwell Banker Residential Real Estate
With your credit scores and down payment, you're looking for an FHA mortgage. The good news is you can ask for seller concessions to cover your closing costs and if need be, you can also reduce your down payment since FHA on requires 3.5% down.
Please feel free to contact me for more info or help.